KBA resources

Free business tools & Excel templates

Free PAYE, NI and pension estimates, editable Excel financial models and a US incorporation checklist from Khuram Barvi & Accountants.

All free tools & templates

Practical starting points

Make an informed first move.

Use the calculator for a quick estimate, or download an Excel model to explore your own assumptions. The business models contain fictional examples and editable formulas. Downloads are free, with no email gate.

Interactive • 2026/27

PAYE, NI & pension calculator

See estimated take-home pay, employee and employer National Insurance, pension payments and total employer cost. Choose Scottish or rest-of-UK Income Tax.

Use the calculator

International founders

US incorporation checklist

Work through the decisions, records and responsibilities to agree before and after forming a US company.

Open the checklist

Download editable Excel models

Each workbook includes instructions, marked input cells, formulas and checks. Version 1.0, prepared 6 September 2026. No macros or external workbook connections.

Excel .xlsx • free download

Cash flow & fundraising model

Plan 12 months of cash receipts and payments. Change the timing of an assumed funding round and see the gap against your minimum cash buffer.

Download Excel Discuss a bespoke financial model

Excel .xlsx • free download

Business sale value bridge

Translate an agreed enterprise value into equity value and completion cash using cash, debt, working capital and holdback assumptions. This model does not calculate what a business is worth.

Download Excel Discuss your valuation

Excel .xlsx • free download

PAYE, NI & pension Excel planner

Explore the 2026/27 regular monthly-pay assumptions used by the website calculator, with visible rates and formulas.

Download Excel Discuss payroll support

These resources support planning. Use your actual records and agreed terms before making decisions. The payroll workbook covers a defined employee scenario; its Read Me sheet sets out the limits.

Need a model built around your business?

KBA can connect your growth plans, cash requirements, valuation and investor information. Tell us what decision the model needs to support.

Request a consultation