I think it depends how you do it. I am over 60 and have 30 years NI so as a limited company I keep my ‘pay’ below NI and tax threshold and withdraw cash weekly. Makes my personal tax return very simple, as I dont pay any income tax or NI. I dont earn huge amounts because I work 2 to 3 days a week, so I take profit release as I need it and only pay corporation tax on this part of my income. My accountant charges £600 to do both tax forms and the accounts for Companies House. I am not sure how much I save, but the paperwork isnt onerous, as HMRC have simplified things a lot. I use a simple spread sheet and keep all the bits of paper. If your accountant thinks its worthwhile go for it.