For owner-managed UK companies
Keep more of what your business makes
IQ Money helps owner-managed UK companies pay less tax, cut business costs and protect what they have built, with business insurance, relevant life cover, energy switching, trade marks, business finance and a free financial wellbeing benefit for staff.
Sole owner, salary at the personal allowance, the rest as dividends. Run your own figures
Where your profit goes and how to keep more of it
On a £200,000 profit, about £95,000 goes in tax before the owner sees a penny. Half of UK SMEs have not checked their insurance in the last year, and the smallest businesses pay 35p a unit for electricity against an average of 24p. The figures below are what UK owners are paying now. Every service is a way to change the number.
Save tax
47% of a £200,000 profit goes in tax before it reaches the owner. Corporation tax first, then dividend tax. IQ Money illustration on GOV.UK 2026/27 rates
Business insurance health check
39% of firms with 1 to 9 staff have no employers' liability cover. The law requires it. ABI and Public First, 2026
Relevant life insurance
Under 75 is the age limit for a relevant life policy. No surrender value, premiums paid by the company. HMRC, EIM15045
Directors' financial planning
55% of eligible staff at firms with fewer than five people save into a pension. The figure overall is 90%. DWP, 2025
Energy switching
35p per kWh is what the smallest businesses paid for electricity. The all business average was 24p. DESNZ, Q1 2026
Business finance
£68bn was lent to UK SMEs by banks in 2025, up 9% on the year. British Business Bank, 2026
Trade marks and brand protection
Have you protected your name, logo and website from being copied by AI? A registered mark is what lets you act. £170 registers one class for ten years. GOV.UK
Client retention
97% of customers who score a business 9 or 10 stay. At a score of 8 it drops to 66%. Institute of Customer Service, 2026
Customer loyalty
34% of UK customers would pay more for better service. 12% put price above everything. Institute of Customer Service, 2026
Financial wellbeing for your employees
9.4 days of sickness absence per employee a year. 57% of employers cite causes outside work, including money. CIPD and Simplyhealth, 2025
Business growth and networking
Work referred by owners who already trust you, and advice from people who have already taken their business to the stage you are aiming for. Membership brings other benefits too, including how the company treats the cost.
About IQ Money
What does IQ Money do?
IQ Money shows owners of established UK companies where their money goes and introduces specialist firms that can reduce it. Each service has its own page with the figures, there are free calculators and the Money sense articles cover the detail. IQ Money does not perform the services and does not give tax, financial or legal advice.
Is there a charge?
IQ Money does not charge you for an introduction. Several of the services, such as the business insurance health check and the staff financial wellbeing benefit, cost you nothing. Where a firm charges for its work, it tells you the fee before you commit to anything.
Who is IQ Money for?
Owner-managed companies that have been trading for some years, make a profit and want to keep more of it. Save tax is the place to start. Most of the services also suit sole traders and partnerships. Relevant life insurance and the staff benefit need an employer with staff.
Figures on this page come from GOV.UK, the Association of British Insurers with Public First (January 2026), HMRC's Employment Income Manual, the Department for Work and Pensions (2025), the Department for Energy Security and Net Zero Quarterly Energy Prices (June 2026), the British Business Bank (March 2026), the Institute of Customer Service UK Customer Satisfaction Index (July 2026) and the CIPD with Simplyhealth (2025). Each is quoted as published. The 47% figure is IQ Money's own arithmetic on 2026/27 rates for a sole owner taking a £12,570 salary and the rest of a £200,000 profit as dividends, about £105,313 reaching the owner. The services are provided by independent firms and IQ Money does not perform them. Nothing on this page is tax, financial or legal advice. Speak to your accountant or a regulated adviser before acting on anything here.
What are you doing to save tax ?
13 ways to save tax. A free PDF for owner-managed UK companies.
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