A complete beginner's guide to FIRE in the UK: 4% rule, savings rate table, ISA & SIPP wrappers, NHS advantage, State Pension and practical index fund approach.
Calculate your UK FIRE number using the 25× rule, State Pension offset, and real index fund returns. Lean, regular and fat FIRE benchmarks inside.
FTB stamp duty changed April 2025: nil-rate reverted to £300k, purchase cap £500k. Real cost examples, Scotland LBTT, Wales LTT and strategies for London buyers.
Full penalty schedule for late Self Assessment returns in 2026: £100 day 1, £10/day after 3 months, 5% surcharges, appeal process and Time to Pay explained.
Received an HMRC P800 or Simple Assessment letter about underpaid tax? Learn why it happens, how to check it, challenge it, and the ways HMRC collects the debt.
If your income falls between £100k and £125,140, you face a 60% effective marginal tax rate. Here's how pension contributions and other strategies can protect your allowance.
How much deposit you need, how long it will take to save it, and the best accounts to use — including LISA bonus, stamp duty relief, and monthly saving tables.
IHT gift rules 2026: PETs, the 7-year rule, taper relief, annual exemptions, normal expenditure from income, CLTs and record-keeping for inheritance tax planning.
Understand IR35's three key tests, use HMRC's CEST tool correctly, and see exactly what inside vs outside IR35 means for your take-home pay.
How much can you put in a pension in 2026? Annual Allowance £60,000, tapered AA, carry forward rules, MPAA £10,000 and defined benefit pension testing explained.
NLW rose to £12.71/hr from April 2026. See the new rates for all age groups, your updated take-home pay, and how it compares to the Real Living Wage.
Full take-home pay table for all NHS Band 5 pay points 2025/26. Includes NHS pension, London supplements, student loan deductions and unsocial hours.
