PayslipsBusiness TipsFinance

Salary vs. Dividends: How Should You Pay Yourself?

Published on November 5, 2025

Business owners have a unique advantage: they can choose how they get paid. The most tax-efficient structure is often a mix of both Salary and Dividends.

Salary (The Safe Route)

Paying yourself a small salary is usually smart to ensure you contribute to Social Security/National Insurance (for state pension entitlement). You need to generate a Payslip for this every month.

Dividends (The Tax-Efficient Route)

Dividends are paid out of profits after corporation tax. They usually attract a lower personal tax rate than salary. However, you cannot take dividends if the company is not making a profit.

SmoothLedger provides free invoicing tools for professionals worldwide. Whether you are a freelancer in the UK, a contractor in the US, or a designer in Canada, our Invoice Generator templates are fully customizable to your currency and tax laws.