Dental-specific calculators built by dental-only accountants — including the one comparison generic tools always get wrong: incorporation with the NHS pension in the picture.
Most online tax calculators are built for a generic self-employed person, and for a dentist that produces a confidently wrong number. Superannuation is deducted before tax under the NHS net pay arrangement, so a tool that ignores it overstates your bill. Contribution tiers are set on annualised earnings, so part-year working is not the simple pro-rata people assume. And the incorporation question — the one associates ask most — cannot be answered on tax alone, because NHS income routed through a company generally stops being pensionable.
That last point is where generic tools do real damage. They show a tax saving, the saving looks attractive, and the guaranteed index-linked pension accrual being given up never appears on the screen at all. Our incorporation calculator puts both sides on the same page, including the dividend rate rise that took effect on 6 April 2026.
Every tool here runs on 2026/27 rates and states the assumptions it makes underneath the results. They are built to get you to a sound first read in two minutes — enough to know whether a question is worth pursuing, and enough to arrive at a conversation already knowing roughly where you stand. They are not built to replace a calculation on your real figures, and each page says so plainly rather than burying it.
If a number here surprises you, that is the useful outcome. The gap between what a calculator shows and what your accounts actually say is usually where the money is. Start with the tax calendar if you would rather know what is coming than what it costs.
If you have just started as an associate, or your income has changed materially, the take-home calculator is the one that earns its keep: it gives you a monthly set-aside percentage, which is the single habit that makes January a non-event. If someone has told you to incorporate, run the limited company calculator before you agree to anything. If you are looking at a practice — buying, selling, or simply wondering — the valuation calculator and the loan calculator work as a pair: what it might be worth, and what servicing the borrowing would actually take out of the profit each month.
Tax, NI and your monthly set-aside percentage — know your January number in July.
Open the calculatorSole trader vs company with the NHS pension trade-off included — the comparison that matters.
Open the calculatorAn indicative value range from adjusted earnings and multiples, the way buyers build it.
Open the calculatorRepayments, total interest and the debt-service cover a lender will check.
Open the calculatorWhat a chair, a CBCT scanner or a surgery refit costs after tax relief — and whether the whole deduction lands in year one.
Open the calculatorWhat a scheme saves the practice and what it gives nurses, hygienists and reception — including the NHS scheme rule that stops most of it.
Open the calculatorWhat the practice pays on the 2026/27 multipliers, and why dental premises sit outside the retail rate whatever the NHS and private mix.
Open the calculatorEvery deadline that matters to a dentist — self assessment, MTD quarters, VAT, payroll and company dates — on one page worth bookmarking.
Open the calendarTwelve plain-English guides covering the whole dental career, from first associate contract to final exit.
Browse the guidesEvery tool here has a free human follow-up — a conversation about your actual situation, with no obligation.
One short email a month: deadlines coming up, rule changes that affect dentists, and one number worth checking in your practice. No spam, unsubscribe any time.