For UK sole limited company directors
Run the numbers
before HMRC does.
Divily is one quiet workspace for your salary, dividends, corporation tax, VAT, pension and personal investments. Drag a slider, see exactly what to pay yourself, what to set aside, and what it leaves on the table.
Beta is invitation-only. Three months free for waitlist members.
Tax-efficient extraction
Plan how to take money out of your company.
Extraction
The £12,570 salary is the easy part.
Most advisors stop at the basics. Divily carries the calculation through dividend tax, employee NI, student loan, employer NI and corporation tax, then tells you the company revenue you need to hit that take-home. Change the target, watch every figure follow.
- Plan 1, 2, 4 and Postgraduate loans baked into every projection.
- Small-profits rate and the £50k to £250k marginal-relief band, handled.
- Split the dividend across months, or declare a one-off and see exactly what to set aside for self assessment.
- Take-home
- £50,000
- Personal tax
- £10,762
- Corp tax
- £11,304
- Total tax cost
- £22,066
- Take-home
- £48,400
- Personal tax
- £8,894
- Corp tax
- £9,404
- Net lifetime cost
- £16,596
Difference: £5,470 stays inside your wealth, not HMRC's. Divily shows this trade-off every time you move the slider, so you stop guessing.
Pension
See what a contribution actually costs you.
Pension contributions from a limited company are one of the most underused tax levers in the UK. Divily shows the true round-trip: corporation tax saved, dividend tax avoided, distributable profit reduced, take-home this year.
No spreadsheet. No accountant phone call. A slider and an honest answer.
Set aside
The tax bill grows with every invoice.
Divily grows it with you.
Every payment into your company is broken down into the share that's yours, the share that belongs to HMRC, and the share still in motion. No more January panic. No more guessing.
Who it's for
Sole limited company directors live in an awkward middle.
Mint, Monzo and YNAB don't see your company. Xero, QuickBooks and FreeAgent don't see your ISA. Accountants answer once a year, in PDFs you can't question.
Divily is the missing middle: a personal financial picture that knows you pay yourself from a company, and a company financial picture that knows you have a student loan, a LISA and a target take-home.
One view
Personal and company,
in the same window.
You don't experience your finances as two separate businesses. Why should your software? Divily puts your ISA, LISA, pension, cash and liabilities next to your company revenue, expenses, VAT and corporation tax, on a single canvas, in one tax year.
- 7
- Portfolio types
- 4
- Student loan plans
- 2
- Tax years tracked
- ∞
- What-if scenarios
- Total assets£101,022.78
- Net worth£84,229.34
- ISAs£68,584.99
- LISA£19,453.85
- Pensions£4,844.42
- Cash£8,140.52
- Liabilities−£16,793.44
- Projected revenue£61,540.08
- Distributable now£3,711.07
- Corp tax due£5,185.16
- VAT progress22.5%
- DLA balance+£116.50
- Total expenses£2,885.74
- Set-aside shortfall−£2,962.95
Beta · 2026/27
One quiet workspace
for the two halves of your money.
Divily is in private beta. The first batch of waitlist members get three months free, lifetime founder pricing after, and a direct line to the team.