Operating Cost Calculator
Add up your monthly overheads (rent, utilities, staffing) and see the revenue you need to break even.
Exclusive to Plus
Tax Reserve Calculator
Work out how much to set aside for tax each month, so the VAT and corporation tax bills never wipe out your cash. Built for the way a florist shop trades.
Tax Reserve Planning
For: "Limited Company - £6,250 monthly sales, £3,500 monthly expenses"
Monthly Profit
£2,750
Annual Profit
£33,000
Corporation Tax (19%)
£522
VAT Reserve (20%)
£550
Total Monthly Tax Reserve
£1,072
Annual Tax Reserve
£12,864
Plan ahead, avoid surprises
Tired of Tax Payment Surprises?
A quarterly VAT bill or a year-end tax demand can empty the account right when you need stock money for Valentine's. Set the cash aside month by month and the bill is already covered.
Tax Maths That Is Hard to Do by Hand
Self-employed, sole trader and limited company each owe tax in a different way. Working out the right set-aside on the back of an envelope is easy to get wrong.
Different Rules in the UK and Ireland
UK and Irish tax have different rates, thresholds and rules, and they change most years. Keeping track of the current figures is a job in itself.
Cash Flow Surprises
With nothing set aside each month, a large quarterly VAT bill or an annual tax payment lands all at once and leaves you short for stock and wages.
How the Tax Reserve Calculator Works
Put in your sales and costs, and it works out your likely tax bill and the amount to move into a tax pot each month.
1
Step 1
Enter Your Business Details
Pick your country and business structure, then put in your monthly sales and expenses. It covers the UK and Ireland, with custom tax rates for shops in other countries.
- UK and Ireland tax systems
- Self-employed, sole trader, limited company
- Monthly sales and expense inputs
- Custom tax rate overrides
Business Information
United Kingdom
Limited Company
£6,250
£3,500
2
Step 2
Automatic Tax Calculations
It runs the 2025 UK and Irish tax rates for you: progressive tax bands, marginal relief on corporation tax, and the right VAT for your business structure.
- Current 2025 tax rates
- Progressive tax band calculations
- Corporation tax marginal relief
- Country-specific allowances
Tax Calculations
Corporation Tax
19%
Small profits rate (up to £50k)
VAT Rate
20%
UK standard rate on sales
Class 4 NI
6%/2%
Progressive rates (self-employed only)
2025 UK tax rates with progressive calculations
3
Step 3
Get Your Monthly Reserve Plan
You get a breakdown of the monthly tax reserve, the annual figures and your net profit after tax. It tells you exactly how much to move across each month.
- Monthly tax reserve amounts
- Detailed calculation breakdown
- Net profit after taxes
- Annual projections
Your Reserve Plan
£1,072
Monthly Tax Reserve
Corporation Tax + VAT Reserve
Monthly Profit
£2,750
Net Monthly Profit
£2,228
Annual Tax Reserve
£12,864
Complete calculation breakdown included
What the Tax Reserve Calculator Does
Everything you need to stay on top of your tax bills, in one place.
UK and Ireland Built In
The 2025 UK and Irish tax rates are already loaded, and you can set your own rates if your shop trades somewhere else.
Progressive Tax Bands
It works across the tax bands for income tax, National Insurance and corporation tax marginal relief, not a flat percentage guess.
All Business Structures
Whether you trade as self-employed, a sole trader or a limited company, it uses the tax rules that apply to your setup.
Custom Tax Rate Override
Set your own VAT, income tax and National Insurance rates when your accountant has told you something different applies.
Full Calculation Breakdown
Every step is shown, with monthly and annual figures, so you can hand the numbers straight to your accountant.
Updates As You Type
Change a figure and the monthly reserve, net profit and annual totals update straight away, so you can test a busier month in seconds.
Frequently Asked Questions
VAT, PAYE, employer NI and corporation tax. You can toggle each on or off depending on your setup.
Yes. Adjust monthly income to reflect Valentine's, Mother's Day and Christmas surges for a realistic forecast.
Yes. Run different salary and dividend splits to see how each affects your overall tax liability.
Yes. Key payment dates for VAT, PAYE and corporation tax are shown so you can schedule transfers in advance.
No. It helps you ringfence cash and plan ahead, but you should still have an accountant review your annual return.
Related tools
True Cost of Employment
See the full cost of hiring a florist with NI, pension, holiday pay, and hidden admin time rolled into one clear report.
Business Markup Calculator
Set default markups for flowers, sundries and labour. Model promotions, discounts and seasonal offers to see the margin impact on every order.
Ready to Take Control of Your Taxes?
Set your tax money aside month by month with the Tax Reserve Calculator, so the bill is already covered when it lands. Free on Florist Toolbox Plus.
Requires Florist Toolbox Plus subscription