SSAS Consultants
SSAS Benefits Calculator

Calculate the Real Financial Benefits of a SSAS

Adjust the inputs below to model your company's potential tax savings, investment growth, property income, and loan returns — all within a SSAS structure.

⚠ This calculator is for illustrative purposes only and does not constitute financial advice. Figures are based on current HMRC corporation tax rates (2025/26). Always seek qualified advice before making pension decisions.

Quick calculator

Corporation Tax Savings Calculator

See how much corporation tax your business could save by making SSAS contributions — modelled over 5 and 10 years at HMRC 2025/26 rates.

£10k£200,000£1m

Marginal Relief Band (19%–25%)

£0£50,000£500k

Tax relief: £13,250

£0£30,000£500k

Relief per year: £7,950

Year 1 saving

£21,200

Initial + first annual contribution

5-year saving

£53,000

Cumulative tax relief

10-year saving

£92,750

Cumulative tax relief

Effective rate:24.63%
Tax without SSAS (annual):£49,250
HMRC 2025/26 rates. Marginal relief applied where applicable.
Full Benefits Analysis

SSAS Benefits Calculator

Model your full SSAS benefit picture — property income, loan-back interest, investment returns and running costs — across a custom projection period.

Enter your figures below, then click Calculate My Benefits to see your full projection.

Current tax band:Marginal Relief Band (19%–25%)
Effective rate on profit:24.63%
Annual company profit (pre-contribution)
£
£10,000£1,000,000
Initial company contribution
£
£0£500,000
Annual company contribution
£
£0£200,000
Pension transfer from external pensions*
£
£0£1,000,000
*Pension transfers are entirely optional. You can seek independent financial advice if you wish to consider your options in this respect before making any decision to transfer.

Projections are illustrative. See disclaimer below.

Why choose us

The unique value of our SSAS process

We are the only independent SSAS Strategy Consultancy in the UK. Our process is built around one goal: getting your SSAS established correctly, compliantly, and working hard for your business from day one.

1

Independent, unbiased advice

We are not tied to any provider, administrator, or financial product. Every recommendation we make is based solely on what is right for your business — not on commission or referral fees.

2

End-to-end guided process

From your first discovery call through to scheme establishment and beyond, we guide you through every step. Our structured four-stage process removes the complexity and keeps you in control at all times.

3

Ongoing strategic support

Establishing your SSAS is just the beginning. Our membership tiers provide continued access to strategy consultations, resources, and expert guidance — so your pension keeps working as hard as your business does.

What sets our process apart

Independent SSAS Consultants
We are independent — not tied to any provider, administrator, or financial product. Every recommendation is made solely in your interest.
A holistic approach
We provide joined-up guidance for your SSAS and your business in tandem, ensuring your pension strategy and commercial goals work together seamlessly.
Unique SSAS Pathway
Our structured pathway supports you at every stage — from first understanding what a SSAS is, through establishing your scheme, all the way to actively utilising it once it is up and running.
Decades of experience
Our team brings decades of specialist SSAS experience, giving you the confidence that your scheme is in expert hands from day one.
Hundreds of SSAS created
We have successfully established hundreds of SSAS schemes for business owners across the UK — a proven track record you can rely on.
Unique resource access, support and full compliance
Every client benefits from our exclusive resource library, ongoing support, and the assurance that every scheme we create is fully HMRC-compliant.

"The only pension structure designed exclusively for business owners"

A SSAS gives you full trustee control, the ability to lend back to your business, invest in commercial property, and contribute up to £500,000 tax-allowably per annum — all within a single, HMRC-registered scheme.

Why a SSAS?

The structural value of a SSAS

A Small Self-Administered Scheme is one of the most powerful financial tools available to UK business owners. Here is what it gives you in practice.

Take full control of your pension
As a trustee of your own SSAS, you make the investment decisions. No fund manager, no black box — you direct where your pension capital is deployed.
Tax-allowable contributions up to £500,000 per annum
Make substantial pension contributions that are fully deductible against corporation tax, dramatically reducing your annual tax bill while building long-term wealth.
Access capital — loan money back to your own business
Borrow up to 50% of the SSAS fund value back into your business as a loan. Use your own pension capital to fund growth, acquisitions, or working capital at a competitive rate.
Run your business and pension in tandem
Unlike conventional pensions, a SSAS is designed to work alongside your business — aligning your commercial strategy with your long-term pension planning in a single, coherent structure.
Buy commercial property and leverage funds to do so
Purchase commercial property directly through your SSAS — including your own business premises. The SSAS can borrow up to 50% of its net asset value to fund the acquisition.
Consolidate existing pensions
Transfer existing pension pots from previous employers or personal pensions into your SSAS, bringing all your retirement savings under one roof and one strategy.
Create a pooled group or family pension structure
A SSAS can include up to 11 members — directors, family members, or key employees — pooling resources to increase investment power and maximise collective tax efficiency.

Ready to explore a SSAS for your business?

Speak with our specialist team to understand exactly how a SSAS could work for your company's specific circumstances.

Book a consultation