Salary vs day rate in 2026: turn £450 a day into an annual equivalent, compare outside vs inside IR35, umbrella deductions, the holiday and sick-pay gaps, and a full take-home comparison for UK contractors.
How much Statutory Maternity Pay you get in 2026/27: 90% of pay for 6 weeks, then £194.32 a week for 33 weeks, eligibility, tax, and how to work out your total.
Statutory Sick Pay in 2026: the £123.25 weekly rate, the removal of waiting days from April 2026, who qualifies, the £129 Lower Earnings Limit, and how it is paid.
How redundancy pay over £30,000 is taxed in 2026/27: the £30,000 tax-free exemption, why PILON and bonuses are fully taxable, and how the excess is taxed at your marginal rate — with worked examples.
Opting out of auto-enrolment saves a little take-home pay now but forfeits your employer's contribution and tax relief. Here's the true 2026/27 cost of leaving your workplace pension.
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.
NHS Band 7 take-home pay 2026: full salary range £46,148–£52,809, monthly net pay table with tax, NI and pension, London supplements and Band 8a comparison.
The real cost of opting out of the NHS pension in 2026: 23.7% employer contribution lost, defined benefit value vs SIPP, and the rare scenarios where opting out makes sense.
Full guide to PPS 2015 CARE scheme: contribution tiers, accrual rate, McCloud remedy, early access reductions, and a worked take-home pay example.
Plan 5 applies to English students starting August 2023. Learn the £25,000 threshold, 9% repayment rate, 40-year write-off, and why most graduates won't fully repay.
Full guide to TPS 2026: CARE 1/54th accrual, contribution tiers 7.4–12.4%, employer 23.68%, normal pension age, McCloud remedy and opting out costs.
