SEIS & EIS tax relief calculator
Enter an investment amount, choose SEIS or EIS, and pick your income tax rate. This calculator shows your income tax relief, your net cost after relief, and the most you could lose if the company fails once loss relief is taken into account. It covers income tax relief and loss relief only.
New to the schemes? Read our founder's guide to SEIS vs EIS advance assurance, or see how we help with SEIS and EIS advance assurance and compliance.
Your investment
50% of your £10,000 investment
- Net cost after relief: £5,000
- If the company fails, loss relief: £2,250
- Effective maximum loss: £2,750, about 27.5p in the pound
This is an estimate for illustration only, not tax or investment advice. Your actual relief depends on your own circumstances and eligibility, and on the company qualifying. SEIS and EIS are high-risk investments and your capital is at risk. Before you invest, speak to us.
How SEIS and EIS tax relief works
SEIS and EIS reward people for investing in early-stage UK companies by giving them tax relief. This calculator focuses on the two reliefs investors look at first: income tax relief, and loss relief if the company fails.
Income tax relief
SEIS gives 50% of your investment back as income tax relief, and EIS gives 30%. It comes off your income tax bill, so it is worth most to people who pay enough tax to use it in full. The relief applies to up to £200,000 invested per tax year for SEIS, and up to £1,000,000 for EIS, so anything above those limits is not relieved.
Net cost
Your net cost is simply the investment minus the income tax relief. On a £10,000 SEIS investment, £5,000 comes back as relief, so the shares effectively cost you £5,000.
Loss relief
If the company fails and your shares become worthless, loss relief softens the blow. You set your net loss, the investment minus the income tax relief you already had, against your income, saving tax at your marginal rate. Taking the same £10,000 SEIS example for a 45% taxpayer: the net loss is £5,000, loss relief at 45% is £2,250, and the most you are actually out of pocket is £2,750, or 27.5p for every £1 you put in. That downside protection is a big part of why these schemes exist.
This tool covers income tax relief and loss relief only, and uses the income tax rate you select. Figures are rounded to whole pounds. They are an illustration, not a personal calculation, and the reliefs depend on both you and the company qualifying.
Planning an SEIS or EIS raise?
We handle SEIS and EIS advance assurance and compliance on a fixed fee, from the application through to your investors' certificates. Book a free call and we will tell you straight where you stand.
See our SEIS & EIS service