Guides
Forecasting guides.
Everything we've written on forecasting — plain English, no jargon, written by Björgvin.
14 guides
How Payroll Impacts Cashflow for UK SMEs (2025/26 Guide)
Payroll & Cashflow 2025/26: Forecasting Staff Costs the Smart Way Payroll is predictable, but one late client payment can break your cashflow. Learn how to forecast wages, NIC and pensions across 52 weeks to keep payday stress-free.
5 min readDSO explained: turn ‘days’ into £ cash you can collect (UK service SMEs)
DSO (Days Sales Outstanding): Formula & 7 Fixes (UK) What DSO means, how to calculate it (simple vs countback), and seven ways to cut days, with a worked example and calculator for UK service SMEs.
7 min readEmployer NIC Cost Impact (UK 2025/26): Worked Examples, Team Scenarios & One-Page Planner
Employer NIC Cost Impact (UK 2025/26): Worked Examples & Planner See how 2025/26 employer NIC rules affect your SME. Worked examples, team scenarios, Employment Allowance and a copy-paste NIC planner.
5 min readHidden Payroll Fees UK SMEs Must Watch For in 2025/26
Hidden Payroll Fees UK SMEs Face in 2025/26 Discover hidden payroll fees UK SMEs often miss, from setup to pensions and year-end filings. Learn how to avoid extra costs with transparent pricing.
8 min readSeasonal Businesses & Cashflow Forecasting (UK 2025/26)
Seasonal Businesses & Cashflow Forecasting (UK 2025/26) | 52-Week Rolling Forecast Template Seasonal business? Build a 52-week cash flow forecast, pick the right VAT/PAYE options and smooth Jan–Mar troughs. Free template + worked example. GOV.UK-cited.
6 min readDividend Paperwork: Minutes & Vouchers (UK)
Dividend Paperwork (UK): Board Minutes & Dividend Vouchers [Templates]. How to document UK dividends correctly: board minutes, dividend vouchers, reserves checks, record-keeping (6–10 years), and pitfalls to avoid with copy-paste templates.
4 min readDividend Tax 2025/26 (UK): rates, allowance, bands, examples & planning
Dividend Tax 2025/26 (UK): Rates, £500 Allowance & Examples UK dividend tax 2025/26 explained: £500 allowance, 8.75%/33.75%/39.35% rates, band thresholds, examples, reporting rules and director-level planning.
8 min readDividend vs Bonus (Directors, 2025/26): Which pays more net?
Dividend vs Bonus (Directors, 2025/26): Which Pays More Net? | UK NIC & CT Modelling Clear 2025/26 comparison of dividends vs bonuses for UK directors—employer NI 15%, employee NI 8%/2%, dividend allowance £500, dividend tax rates, CT at 19%–25% (with marginal relief). Worked examples + rules of thumb.
5 min readHow to Pay Yourself as a Limited Company Director (UK 2025/26)
How to Pay Yourself as a Limited Company Director (UK 2025/26): Salary, Dividends & Total Tax Explained
4 min readPayments on Account for Dividends (UK): how they work, when you’re hit, and how to plan cashflow
Payments on Account for Dividends (UK): Dates, Rules & How to Reduce. HMRC payments on account explained for dividend taxpayers: who pays, 31 Jan/31 Jul deadlines, £1,000/80% tests, first-year bill shock, SA303 reductions, interest/penalties.
7 min readReporting Dividends: Self Assessment (UK) what to file, when to register, and where to put the numbers
Reporting Dividends (UK): Self Assessment, £10k Rule & Deadlines. When and how to report UK dividends in Self Assessment: the £10,000 rule, register by 5 Oct, where to enter dividends (SA100), 30 Dec coding-out, 31 Jan/31 Jul payments.
7 min readWhy Management Accounts Matter for Growing UK SMEs (2025/26)
Introduction | If You’re Growing, Annual Accounts Aren’t Enough One of the biggest mistakes growing businesses make is relying on year-end accounts for insight. By the time you see those numbers, it’s too late to change anything. That’s where management accounts come in, monthly or quarterly reports designed for you, not HMRC. They show how […]
4 min readNIC, PAYE & Pension Costs (UK 2025/26): What Employers Must Budget For
NIC, PAYE & Pension Costs (UK 2025/26): Employer Rates, Thresholds & Deadlines. See 2025/26 UK employer costs at a glance: Employer NIC 15%, ST £5,000, PAYE due by the 22nd, Class 1A/1B at 15%, auto-enrolment 3% on QE. With GOV.UK sources.
5 min readQuarterly Tax-Planning Check-Ins: Employment Allowance & Benefits-in-Kind (UK 2025/26)
Quarterly Tax Planning UK 2025/26: EA & Payrolling Benefits Cut employer NIC with quarterly check-ins. Claim the £10,500 Employment Allowance, manage P11D/Class 1A (15%) dates, and prepare for mandatory payrolling in 2027.
6 min read
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