UK money, explained in plain English.
In-depth, accurate guides on UK personal finance - every figure cross-referenced against HMRC, gov.uk and the Scottish Government for the current tax year.
How UK income tax works in 2026/27
Bands, the personal allowance, the £100k tax trap, Scotland's six-band system, NI, tax codes and how to legally pay less - with worked examples for every salary level.
Latest articles
Updated for 2026/27When is salary sacrifice worth it?
Income tax + NI savings, worked examples for every bracket, the £100k taper sweet spot - and a live savings calculator.
Read articleUK stamp duty in 2026/27 - SDLT, LBTT & LTT explained
Bands for all three nations, first-time buyer relief, the 5% second-home surcharge, and a live calculator built in.
Read articleCash ISA vs Stocks & Shares ISA - which one?
Returns, risk, time horizons and how to split your £20,000 allowance - with a side-by-side projector you can play with.
Read articleIn the pipeline
More guides on the waySalary sacrifice - when it's actually worth it
How sacrificing salary for pension boosts your pot AND cuts your NI bill - with the maths.
Snowball vs avalanche - which UK debt strategy?
Psychology vs maths - and why a 0% balance transfer often beats both.
A UK take on the 50/30/20 budget rule
Why Council Tax, energy and transport throw the standard maths off - and how to fix it.
Pension drawdown vs annuity in 2026
The 4% rule, sequence-of-returns risk and what annuity rates actually look like right now.