26/11/2025
📢 Budget 2025 update — What it means for you and your business 📊
The UK Autumn Budget 2025 has landed and as your trusted accountants, we at K3 Accountants want to highlight what this means for small businesses, savers and individuals across the UK:
✅ No rise in headline income tax, NI or VAT rates but key thresholds (personal/tax-free allowances, inheritance, CGT etc.) are frozen until at least 2028–2031. 
📈 Dividend tax and savings/property income taxes are going up starting April 2026, dividend rates and taxes on investment income and property income will increase. 
🔒 Pension “salary-sacrifice” changes from 2029 pension contributions made via salary sacrifice above £2,000 pa will incur NICs (both employer & employee) potentially affecting high-earning business owners and directors.

📉 Planning and cashflow need revisiting
With these changes, careful financial planning is essential: profit extraction strategies, dividends vs salary, investment timing, and retirement planning could all be impacted.
💡 At K3 Accountants, we’re here to help you make sense of it all. If you run a limited company, receive dividends, or are trying to optimise pension contributions, now is a good time to review your strategy.
👉 Want a tailored review for your business or personal finances? Drop us a message or book a call, we’d be happy to guide you through the changes and help you plan ahead.
