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.

Projection Period

Number of years
yrs
1 yrs30 yrs

Company Contributions & Tax Relief

Company contributions to a SSAS are an allowable business expense, reducing your taxable profit and generating corporation tax relief at current HMRC rates.

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

Commercial Property Income

A SSAS can purchase commercial property. Rental income flows back into the scheme tax-free, compounding your pension pot over time.

Annual rental income
£
£0£200,000

Loan-Back Interest Received

A SSAS can lend up to 50% of its net assets back to the sponsoring employer. The loan must charge a commercial rate — modelled here at 8% per annum (HMRC minimum is 1% above base rate; 8% is a commonly used commercial benchmark).

Loan capital advanced to company
£
£0£500,000
Annual interest returned to SSAS at 8%: £8,000

Investment Portfolio Returns

SSAS funds can be invested across a wide range of assets. Returns compound free of income tax and CGT within the scheme. Modelled at a 7% average annual return.

Initial portfolio value
£
£0£1,000,000

Costs & One-Off Fees

Deduct ongoing SSAS costs and the one-off application fee to see your true net benefit.

One-off SSAS application fee (year one)
£
£0£10,000
Deducted in year one only — deducted once across all projections
Number of SSAS members
111
Annual administration fee: £50 + VAT per member per month (£720 per member per year inc. VAT)£1,440.00 p.a.
Include strategic consultancy fee?
Optional strategic consultancy: £100 per SSAS per year
Annual running costs: £1,440.00·App. fee: £1,500

Your Projected SSAS Benefits

Over 10 years based on your inputs

Total Corporation Tax Relief
£66,250
Initial: £13,250 · Annual: £53,000
Net Cost of Contributions
£183,750
Gross contributions: £250,000 less tax relief
Commercial Property Income
£150,000
£15,000 p.a. × 10 yrs (tax-free within SSAS)
Loan-Back Interest Received
£80,000
£8,000 p.a. at 8% on £100,000
Portfolio Growth (7% p.a.)
£192,387
Fund value after 10 yrs: £492,387
Total SSAS Benefit (before costs)
£488,637
Tax relief + property + loan interest + portfolio growth
Total Running Costs
−£14,400
£1,440.00 p.a. · admin
One-off Application Fee
−£1,500
One-off fee deducted in year one
Net SSAS Benefit (after all costs)
£472,737
Total benefit minus all running costs and application fee

Quick Comparison

How your net benefit stacks up at 5 and 10 years alongside your custom projection.

Item5 Years10 Years10 Yearsyour projection
Total benefit (before costs)£218,071£488,637£488,637
Total running costs−£7,200−£14,400−£14,400
Application fee−£1,500−£1,500−£1,500
Net benefit£209,371£472,737£472,737

HMRC Corporation Tax Rates 2025/26

Profits up to £50,00019% (Small Profits Rate)
Profits £50,001–£249,99919%–25% (Marginal Relief)
Profits £250,000+25% (Main Rate)

Source: HMRC — rates applicable from 1 April 2023 and unchanged for 2025/26. Marginal relief uses the standard fraction of 3/200.

Important: This calculator is for illustrative purposes only. It does not constitute financial, tax, or pension advice. Projections assume consistent annual contributions, a fixed 8% loan rate, and a 7% average portfolio return — actual results will vary. Corporation tax relief is subject to HMRC rules and your company's specific circumstances. Please consult a qualified adviser before making any pension or investment decisions.

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