The UK personal allowance for 2025/26 is £12,570 — so you can earn up to £12,570 tax-free. But National Insurance starts earlier, at £12,570/year too. Full breakdown with salary examples.
Your 30s are the decade where pension decisions define retirement. We break down the real numbers: how much to contribute, what pot size to target, and how different contribution rates play out over time.
On £500/day, working outside IR35 via a limited company takes home approximately £70,000/year net. Inside IR35 via umbrella is approximately £57,000 — around a £13,000 annual difference. Full case study with numbers.
The £20,000 ISA allowance is a powerful tax shelter — but only if you use it strategically. Here's how to split your allowance across ISA types, who should prioritise ISA vs pension, and the mistakes to avoid.
Moving from Band 5 to Band 6 on Agenda for Change is one of the most common promotions in the NHS. Here's exactly what you take home at each point, and how the jump compares once you account for pensions, tax and National Insurance.
Yes, overtime is taxed in the UK — it's treated as employment income like your regular salary. But the rate depends on your total annual earnings. Full breakdown with examples for 2025/26.
Salary sacrifice reduces your gross pay before tax and NI are calculated — saving you income tax AND National Insurance, not just tax. At a £50,000 salary, sacrificing 5% saves approximately £500/year in NI alone on top of tax relief.
Shared Parental Leave lets parents split up to 50 weeks of leave and 37 weeks of pay. The statutory rate is just £194.32/week — but some employers top it up significantly. Here's exactly how it works and what you'll receive.
Statutory Sick Pay (SSP) is £116.75 per week in 2025/26 — paid from day 4 of illness for up to 28 weeks. Here's who qualifies, how to claim, and what happens when SSP runs out.
£40k and £50k are two of the most searched UK salary levels. Here's exactly what you take home after Income Tax, National Insurance, and what changes if you have a student loan, pension or are in Scotland.
Teachers' pay scales in England 2025/26 run from M1 (£31,650) to UPS3 (£49,084) outside London. After Teachers' Pension Scheme contributions and tax, here's what each point actually delivers to your bank account.
CGT rates rose in October 2024 and are embedded in 2026/27. The dividend allowance remains at £500. Here's how CGT works for non-property assets, dividend taxation, and the key planning tools still available.
