Salary or dividend? Most entrepreneurs are asking the wrong question.

The real question isn't which is better, but how much should go toward salary and how much toward dividends. The right balance depends on your social security contributions, taxes, your pension plan, and your personal assets.

Discuss options
  • 45 minutesA focused conversation
  • Free, with no obligationWith a financial planner
  • Online or in personWhatever works best for you
The Four Factors Behind Your Decision

Four factors. One decision.

The right mix of salary and dividends affects more than just your net income. Each decision has a different impact on your taxes, social security, retirement savings, and personal assets.

Social Security Contributions

Wages are generally subject to AHV/IV/EO contributions, which build up contribution-based benefits. Dividends are generally not.

Taxes

Wages and dividends are treated differently for tax purposes, both within the company and for individuals.

Pension fund

Your salary determines your insured earnings, your contributions, and your potential for making additional contributions to the pension fund.

Wealth Tax

How you retain and distribute corporate profits affects the composition and, potentially, the taxable value of your personal assets, including your company shares.
Finding the right balance is a personal matter

Not just a salary or a dividend. The right combination.

There is no one-size-fits-all formula. Your company’s structure, your financial goals, and your plans for the coming years all influence the answer. Caveo brings these factors together, compares different scenarios, and shows you which combination best supports your business and your personal future.

Social Security Contributions
Taxes
Pension fund
Wealth Tax
Your Optimal Balance
How We Help

From your situation to an informed decision.

Together, we'll review your business and personal finances, compare different scenarios, and show you the implications so you can make decisions with confidence.

  1. Understanding Your Situation

    We'll take a look at your business, your personal finances, and your goals for the coming years.

  2. Analyze various options

    We calculate various combinations of salary and dividends, taking all four factors into account.

  3. Plan the Next Steps

    You will receive recommendations as part of your comprehensive financial plan.

Ready to find your balance?

How much salary? How much in dividends? Let's figure out what's right for you.

Discuss your current situation with a Caveo financial planner during a free 45-minute consultation and learn how a personalized analysis can help you make an informed decision.

Schedule a Free Initial Consultation
  • 45 minutesA focused conversation
  • Free, with no obligationWith a financial planner
  • Online or in personWhatever works best for you
Portrait of a Caveo Financial Planner
Salary or dividend? Entrepreneur Check · Caveo