Tax Planning · East Midlands
Tax planning in Belper
If you are a director, a higher earner or a landlord in Belper and nobody has ever sat down with your whole position, income, company, pensions, property, spouse, and worked through it, this is that review. We do it for clients across East Midlands by video call and written report, for a fee agreed before we start, using established reliefs only.
from £249 · fixed, per review
Next deadlines
- Online Self Assessment filing deadline and balancing payment due
- Tax year ends: last day for pension, ISA and dividend timing decisions
- Companies House accounts due 9 months after your year end (a 31 December year end files by 30 September)
- Corporation Tax payment, 9 months and 1 day after your year end (a 31 December year end pays by 1 October)
Who this is for
Tax Planning for Belper
Company directors in Belper deciding how to pay themselves, higher earners near the £100,000 personal allowance taper or the £125,140 additional rate, couples who could use both sets of allowances better, landlords and investors with gains to time, business owners approaching a year end with profit to deploy, and anyone whose affairs have grown more complicated than their current adviser has noticed.
What is included
Everything inside the fixed fee
- A review of your current position across income tax, National Insurance, dividends, Corporation Tax and capital gains as relevant
- Allowances and reliefs checked: personal allowance taper, marriage allowance, pension annual allowance, dividend and savings allowances, ISA use
- Director remuneration modelled: salary, dividends, pension contributions and benefits for the coming year
- Timing decisions quantified: dividends across tax years, capital expenditure before year end, pension contributions, disposals
- A written report with the recommendations, the saving from each and the actions in order
- A follow-up call to answer questions and agree what we implement for you
How it works
Tax Planning from Belper, step by step
Tell us your situation
A short message or call about what you do and what needs filing. We ask the questions that determine the right package and nothing more.
Fixed fee in writing
You receive one price for the work, confirmed by email before anything starts. It does not change if the job takes longer than we expected.
Send records, review the draft
Records come by WhatsApp or email. We prepare the draft, explain the figures in plain English and answer your questions.
We file, you get the receipts
Once you approve and the fee is settled, we submit electronically and forward the HMRC or Companies House acknowledgement the same day.
Why IGI
What you get in Belper
One fixed fee for tax planning in Belper, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
Nothing for Belper is left to the last week. Each deadline relevant to tax planning is tracked from the day you join, with the next four shown on every page we send you.
No appointments, no travel across East Midlands, no parking. Everything for tax planning in Belper happens online, with a real person on the other end during UK working hours.
You get one contact for tax planning, not a queue. Belper clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for Belper clients is never just a form. It is the form, a one-page summary of what it says, and a note of the decisions it points to for tax planning.
Approval before filing is a rule, not a courtesy. For tax planning in Belper, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About Belper
Belper is in East Midlands, in the DE56 postcode district, England. Income tax in England follows the UK rates: 20% basic to £50,270, 40% higher to £125,140 and 45% additional, with the personal allowance of £12,570 tapered away above £100,000. National Insurance, VAT and Corporation Tax are UK-wide, and Stamp Duty Land Tax applies to property purchases.
| Place | Distance | Direction |
|---|---|---|
| Laund Hill | 0.6 mi | NE |
| Scotches | 0.6 mi | N |
| Chevinside | 0.6 mi | SW |
| Bridgehill | 0.7 mi | NW |
| Pinchom's Hill | 0.7 mi | SE |
| Farnah Green | 0.8 mi | W |
| Cutter, The | 0.8 mi | E |
| The Cutter | 0.8 mi | E |
Worth knowing
Rules that come up in this work
Employer National Insurance
The cost of an employee is more than the salary. Employer National Insurance at 15% above £5,000 a year, the 3% minimum pension contribution, holiday pay, equipment and management time all come on top. The Employment Allowance of £10,500 reduces the National Insurance for most employers with more than one person on the payroll.
Workplace pensions and auto-enrolment
Every employer must assess its workers for automatic enrolment from the first employee's start date. Those aged 22 to State Pension age earning over £10,000 a year must be enrolled into a qualifying pension with minimum contributions of 8% of qualifying earnings, at least 3% from the employer, and a declaration of compliance made to the Pensions Regulator within five months.
Dormant companies
Companies formed to protect a name or hold a future business are dormant but not exempt: Companies House still expects dormant accounts within nine months of the year end and a confirmation statement annually with its £50 fee, and HMRC must be told the company is dormant or it will demand Corporation Tax returns. The filings are short, but the penalties for missing them are the same as for a trading company.
The trading and property allowances
Small side incomes are covered by two £1,000 allowances, one for trading and one for property, which remove the need to register or report income below that level. Once income exceeds £1,000, the allowance can be used in place of expenses, a choice worth making deliberately: a freelancer with £900 of costs is better off with the allowance, one with £3,000 is not.
Crypto records and reporting
Most crypto holders have taxable events they do not recognise, because every swap is a disposal even when no pounds change hands. The computation requires the complete transaction history from every exchange and wallet, pooled by asset with HMRC's matching rules applied. Exchange-generated tax reports are frequently wrong because they cannot see transfers between a user's own wallets.
The 60-day property CGT return
Selling UK residential property that was not your main home for the whole period of ownership triggers a separate Capital Gains Tax return, due within 60 days of completion along with payment of the tax. This is in addition to the annual Self Assessment. The gain is taxed at 18% or 24% depending on your income band, after the £3,000 annual exempt amount.
Record keeping
Record keeping is a legal obligation with a penalty of up to £3,000 for failure, but its real value is in making every other filing cheaper and more defensible. Keep invoices, receipts, bank statements, mileage logs and any HMRC correspondence, digitally if you like, for five years after the relevant filing deadline for individuals and six years for companies and VAT.
Questions
Tax Planning questions from Belper
How often should planning be reviewed?
Annually, ideally in the first quarter of the tax year so that decisions have the full year to work. Thresholds and rates change each April, your income changes, and the company's profit changes. Clients in our monthly packages get a planning conversation as part of the Complete and Premium tiers.
Will you implement the recommendations?
Where the actions fall within our services, such as setting the payroll salary, documenting dividends, adjusting the company's pension contributions or making an election, yes, as part of those services. Where they need a financial adviser, for example choosing pension investments, we tell you what to ask them.
When should I buy the combined review?
When the company and personal positions interact, which for most owner-managers they do. The £399 combined review covers both sides together: Corporation Tax planning, extraction strategy, capital expenditure timing, pension contributions as a company expense, and the personal position of each director or shareholder. It replaces the two separate reviews.
What is the pre-year-end planning session?
A £299 session two to three months before a company's year end, using management or draft figures to decide what to do before the date: capital expenditure to claim full expensing, employer pension contributions, bonus or dividend timing, bad debt provisions, and whether to change the accounting date. Decisions made after the year end are mostly too late.
What does the £249 personal tax review cover?
Your income from all sources, the allowances and reliefs you are and are not using, pension contribution headroom, the personal allowance taper and High Income Child Benefit charge if relevant, savings and dividend allowances, ISA use, marriage allowance, gift aid and the timing of any disposals. You receive a written report with quantified recommendations.
What does the director remuneration review cover?
For £249 we model the coming year's salary, dividends, employer pension contributions and any benefits against the company's expected profit and your other income, showing the total tax and National Insurance under each option and recommending a structure. It includes the use of a spouse's shareholding and allowances where relevant.
Do you have an office in Belper?
No. IGI Accounting is an online-only firm. We serve Belper and every other UK postcode remotely, with records sent by WhatsApp or email and everything filed electronically. The absence of local premises is why the fee for tax planning is the same in Belper as anywhere else in the country, and why there is nothing to visit and nothing to print.
Is tax planning in Belper really the same price as elsewhere?
Yes. The fee published on this page is what a client in Belper pays and what a client in any other part of England pays. It is confirmed in writing before work starts and the invoice matches the quote. Where a higher package applies because your situation is more complex, we say so at the quote stage, never afterwards.
Ready to fix your fee in Belper?
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.