AccTek Resource Library

Accounting & Tax Comparisons

Side-by-side guides to help you make the right structural, employment and software decisions for your business.

All Resources Checklists Comparisons FAQs Guides & Templates Calculators & Tools

Clear comparisons with the numbers that matter for 2026/27 — so you can choose the option that leaves you better off.

Compare your options

Sole Trader vs Limited Company Which structure pays less tax — and when to switch. Umbrella vs Limited Company Side-by-side take-home comparison for contractors. Salary vs Dividends The optimal extraction mix for company directors. Locum: Agency vs Direct Engagement How each route affects tax, pension and take-home. Fractional CFO vs Accountant What each delivers, and when a startup needs both. Xero vs FreeAgent vs QuickBooks The right cloud accounting platform for your business. Perm vs Contract Calculator Model permanent salary against a contract day rate.

Browse by audience

Every resource maps to one of our specialist hubs. Find the accounting home for your situation:

Startups Accounting for founders & scaleups IT Contractors IR35, expenses & take-home pay Locum Doctors NHS pension & locum tax Landlords Property tax & MTD SMEs Growth accounting & Virtual CFO

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Godwin Pinto

Founder at AccTek Ltd | Web | + posts

Godwin Pinto ACA (ICAI) is the founder of AccTek and a member of ICPA, with 20+ years of experience in accounting and tax for contractors, startups and SMEs. Previously at PwC.

You’re in good hands

AccTek is a member firm of the Institute of Certified Practising Accountants (ICPA), and our founder is a member of the Association of International Accountants (AIA) holding an AIA Practising Certificate. Our accountants hold qualifications and accreditations from trusted professional bodies including the AIA, ICPA, AAT and ACCA.