Classic loan or bullet on IPT?
Focus on the gross salary cost for the management company
Loan
Borrowed amount
Duration (years)
years
Interest rates
Classic loan
Reconstitution loan (bullet)
Split business
Split private
Split purchase
Company share
Company: {{c}} · Private: {{p}}
Tax parameters
Personal income tax rate
Municipal tax
Social security contribution
Social fund management fee
IPT parameters
IPT entry cost
Expected IPT yield
80% ratio
Classic loan
Bullet + IPT
Split
Monthly cost (private)
Yearly cost (private)
Gross cost/year
Monthly interest
Yearly IPT premium
Monthly business
Monthly private
Total/year
Total ({{n}}y)
Savings Bullet + IPT vs Classic
Savings Split vs Classic
Gross multiplier: {{n}}x
Total comparison gross cost company
The Lyff.Plan
Every entrepreneur starts from a different place. That is why we always follow the same clear path, from first analysis to a concrete plan.
- Introduction: We get to know your situation, your company and your ambitions. No obligations, no sales talk.
- Revenue, costs and profit: We go through your figures: what comes in, what goes out and what is left in the company.
- Salary analysis: We review how you pay yourself today and what that costs in taxes and social contributions. We implement the necessary optimisations.
- Protection: We check what happens in case of illness, accident or death. We offer solutions that close the gaps in your cover.
- Optimisation: We take profit out of your company tax-efficiently and propose the right mix of salary, pension build-up and benefits.
- Investments: We put surplus cash to work and offer an investment approach that fits your horizon and risk profile.
- Financing: We look at which type of credit fits your plans and propose the best financing solution, from business investment to real estate.
- Private wealth: We bring it all together in one concrete plan: from profit in your company to wealth that is privately yours.