If you are hard working british citizen earning about 40000£ per year you pay in income tax 10437£ per year. Four month a year you work only for paying income tax and national insurance. Just imagine you can leave this money with you legally. What you prefer a new car, refurbish your house, paying your mortgage or get rid of your debt. You deserve that ,you work hard for that.
If you work as an employee on a permanent basis and employer pay salary on your account after making tax deductions, you probably won’t be able to avoid anything. Let’s calculate.
Earnings Summary | Yearly | Monthly | Weekly |
Gross Pay | £40,000.00 | £3,333.33 | £769.23 |
Tax Free Allowances | £8,105.00 | £675.42 | £155.87 |
Total Taxable | £31,895.00 | £2,657.92 | £613.37 |
Tax Due | £6,379.00 | £531.58 | £122.67 |
Basic Rate - 20% | £6,379.00 | £531.58 | £122.67 |
National Insurance | £3,888.96 | £324.08 | £74.79 |
Total Deductions | £10,267.96 | £855.66 | £197.46 |
Net Earnings | £29,732.04 | £2,477.67 | £571.77 |
Employers NI | £4,486.66 | £373.89 | £86.28 |
Changing your employment status to contract with the same earning can makes wonder. First self employed pay a little bit less, and more important you will have an amazing opportunity to claim for tax returns. You can claim for every purchase you made can be considered for your business.
My friend Bob repairs and cleans houses, he claim for every possible item. He uses car for moving his equipment and construction materials, so he added car, instruments and many other items totally reached 20 000£, so he earned £34,567.65 from the same 40 000£ gross income just paying £5,432.35 in taxes. I was a computer programmer in the past working on contract. I like gadgets, phones and computers, one year i bought these devices for 5000£ and claimed for tax return for all of them. I claim for IPad, IPhone and IPlayer, because I needed to test how sites work on them, I also successfully claimed for desktop, laptop, router, and even TV with playstation and XBox because i needed to test sites on consoles too. Sometimes I was working at home with remote connection to our company server at extra hours using my table and a chest at home - I claim for them too.
Claiming for tax return give some cuts but it is still not a zero tax. To pay zero income tax you should be considered as non UK resident. That doesn’t mean you cannot be be physically at the uk for the whole year. Determining where residency is complex depending on how much days spent in the UK on the tax year. If you are a news correspondent or software developer or have any other profession which allow you work remotely from the office most of the time you can move to any of the countries with no income tax, or with low income tax. If you are outside of UK and considered non resident you are under a law of hosting country. You will considered as not resident if:
- your absence and employment from the UK covers a complete tax year (that is 6 April to 5 April)
- you spend less than 183 days in the UK during the tax year
- your visits to the UK do not average 91 days or more a tax year over a maximum of four years
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This offshore bank account is great, they give 9% rate per year. Finally I gathered money to invets rather than paying rates on loans and taxes.
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