**Take Home** Cross-border take-home · 2025/2026 # On £150,000 a year, the same person takes home £69,502 or £117,000. The only difference is where they live and where the company is registered. Every figure below is computed live by the same 44-country engine the product runs on, on 2025/2026 rates. **Change the income and all five recompute.** Company billings a year £* Currency **GBP EUR USD Computed live · 2025/2026 rates · 44 countries 🇪🇪🇵🇹Estonia company·Portugal residentIFICI£117,000+£29,697***Show the workingsCorporation tax £33,000**All tax as a share of billings **22.0%**Employment/self-employment taxed at 20% flat (IFICI qualifying activity). Foreign dividends exempt under IFICI.**🇬🇧🇦🇪United Kingdom company·United Arab Emirates resident£116,496+£29,193****Show the workingsCorporation tax £32,368**Employer NI **£1,136**All tax as a share of billings **22.3%**0% personal income tax on salary/dividends/gains. Natural persons taxed only on business turnover above AED 1m.**🇬🇧🇵🇹United Kingdom company·Portugal residentIFICI£113,982+£26,679****Show the workingsCorporation tax £32,368**Employer NI **£1,136**Tax on salary **£2,514**All tax as a share of billings **24.0%**Employment/self-employment taxed at 20% flat (IFICI qualifying activity). Foreign dividends exempt under IFICI. No PT social security on foreign employment (paid in source country).**🇬🇧🇬🇧United Kingdom company·United Kingdom residentBaseline£87,303baseline**Show the workingsCorporation tax £32,368**Employer NI **£1,136**Income tax **£1,650**Dividend tax **£27,543**All tax as a share of billings **41.8%****🇬🇧🇵🇹United Kingdom company·Portugal residentStandard£69,502−£17,801****Show the workingsCorporation tax £32,368**Employer NI **£1,136**Tax on salary **£5,071**Tax on dividends **£41,924**All tax as a share of billings **53.7%**Standard progressive rates (13.25%-48%) plus solidarity surcharge. No PT social security on foreign employment (paid in source country). **£47,498** between the top and the bottom, on identical income. One director, one company, all profit taken out. Where the company is in the UK it pays a £12,570 salary first and the rest as dividends, which is the efficient split on 2025/2026 rates. Corporation tax is charged before anything reaches the person. Directional, not tax advice. What actually moves the number ## Three levers, and they are not the ones people argue about. Most of the advice online is about where to register the company. On this income that is the smallest of the three decisions by a wide margin. ### Where the company is registered +£3,018 Estonia against the UK, same resident Estonia charges **22%** on distributed profit and nothing on profit you leave in the company. The UK charges corporation tax on the profit, but lets the company deduct a salary first. Once both companies pay everything out, the gap is small. ### Where you are tax resident +£29,193 Dubai against the UK, same company Same UK company, same profit, same dividend. The UK taxes that dividend in your hands. The UAE charges **nothing** on personal salary, dividends or gains. Nothing about the business changes. ### Which regime you elect +£44,480 Portugal IFICI against Portugal standard The same country, the same address, the same money. IFICI exempts the qualifying foreign dividend; the standard treatment aggregates it at the progressive scale. **This is a filing, not a move**, and on this income it is worth more than emigrating. How it is calculated ## Real corporation tax, real dividend tax, real regimes. This page has no flat-rate assumption in it anywhere. Each of the five rows is two calls to the same cross-border engine that runs inside the product. - The company is asked what it can distribute after corporation tax and any salary and employer social security. That figure is then paid out in full as a dividend and taxed in the country of residence. - Where a double tax treaty applies, the engine applies the source-country withholding and credits it against the residence-country liability. - Expat regimes are modelled properly rather than as a discount: Portugal's IFICI and NHR, Spain's Beckham, Cyprus and Malta non-dom, Greece's lump sum, plus every US state. - Rates are 2025/2026. Coverage is 44 countries. Figures are directional and are not regulated tax advice. #### What the engine says about these five Source-country (Estonia) dividend withholding tax of 0% applied on the gross dividend; a foreign tax credit is granted in Portugal up to the residence-country liability (relief under the applicable double-tax treaty). Cross-border scenario detected. Check the applicable double-tax treaty between Estonia and Portugal. Employment/self-employment taxed at 20% flat (IFICI qualifying activity). Foreign dividends exempt under IFICI. Source-country (United Kingdom) dividend withholding tax of 0% applied on the gross dividend; a foreign tax credit is granted in United Arab Emirates up to the residence-country liability (relief under the applicable double-tax treaty). Cross-border scenario detected. Check the applicable double-tax treaty between United Kingdom and United Arab Emirates. 0% personal income tax on salary/dividends/gains. Natural persons taxed only on business turnover above AED 1m. Source-country (United Kingdom) dividend withholding tax of 0% applied on the gross dividend; a foreign tax credit is granted in Portugal up to the residence-country liability (relief under the applicable double-tax treaty). UK-Portugal Double Taxation Agreement applies. UK applies 0% withholding on dividends to PT residents. Under NHR/IFICI, qualifying foreign-source dividends may be exempt in Portugal. No PT social security on foreign employment (paid in source country). Standard progressive rates (13.25%-48%) plus solidarity surcharge. ## Run this on your own income. Your company, your residence, your regime, across 44 countries and every US state. Free, and it takes about a minute. [See your own numbers](https://app.takehome.ai/start) [How Take Home works](/) Send me the breakdown One email with your five rows and the workings. No list, no sequence.