PUT YOUR FIGURES IN ORDER
What is available now?
The starting figures are an illustration. Replace them with your own personal amounts in pounds.
Your own cash receipt, after company-level adjustments.
Use a separate estimate from your accountant.
Exclude costs already deducted from the receipt.
For example, debt repayment or an agreed purchase.
A contractual amount that is not available today.
Conditional proceeds, shown separately.
Figures stay in your browser memory and are cleared on refresh.
Available after your stated reserves
£1,540,000An initial planning amount, using the figures you entered.
- Cash at completion
- £2,000,000
- Tax, fees & commitments
- −£460,000
- Available now
- £1,540,000
Future payments carry timing and collection risks. They are not included in available cash.
This tool subtracts your stated reserves from your personal completion receipt. It does not calculate tax, establish relief eligibility or assess affordability. Later payments may also create tax obligations.
What the calculation does
Available now = personal completion cash − tax reserve − unpaid personal fees − other commitments. If reserves exceed cash, the worksheet shows a shortfall and no available surplus. Fixed later payments and earn-outs are displayed separately and are never added to available cash.
Use the personal cash attributable to you after company-level adjustments. If a limited company sells assets, proceeds belong to the company first; this worksheet does not calculate the money that can be extracted personally. Fees already deducted from a receipt should not be entered twice.
Read how to establish your personal proceeds and how to think about future payments. See also HMRC’s guidance on company asset sales.