IT contractors on £500/day (£115,000/year) take home roughly £71,000 outside IR35 versus £67,700 inside — a £3,300 gap once employer NI and marginal relief are correctly accounted for. Full test-by-test breakdown.
Jersey is a Crown Dependency with its own tax system entirely separate from the UK's — flat-rate income tax, no capital gains tax, and no council tax as Britain knows it. Here's what actually changes if you relocate.
Self-employed jewellery makers carry unusually high stock costs in silver and gold, plus hallmarking fees most trades never see. Full worked example on £24,000 turnover showing what's actually left after tax.
Kitchen fitters working for contractors face CIS deductions at source, while those going direct to homeowners don't. Worked example on £42,000 turnover breaks down both routes for 2026/27.
A self-employed management consultant on £600/day takes home roughly £13,000 more per year working genuinely outside IR35 than inside via umbrella. Full worked example plus the deliverables-vs-control test that decides your status.
Mobile mechanics carry thousands of pounds in diagnostic kit and van stock. Full worked example on £52,000 turnover shows exactly what a self-employed mobile mechanic keeps after tax and NI in 2026/27.
Some UK local authorities routinely top the tables for the highest Band D council tax rates. Here's what drives those figures for 2026/27, and why the highest-rate council isn't always the highest-bill council for you.
Northern Ireland doesn't use Council Tax at all — it uses a Regional and District Rates system based on each property's estimated capital value, not a fixed band. Here's how the mechanism actually differs from the rest of the UK.
Unmarried partners have no automatic right to a deceased partner's pension — but they can be nominated as a death benefit beneficiary. Here's how a £180,000 pension pot is treated when left to a cohabiting partner, and why the age-75 rule matters more than marital status.
A Scottish taxpayer in the 42%, 45% or 48% bands is entitled to more pension tax relief than an equivalent English or Welsh taxpayer paying 40% or 45%. Here's the worked comparison on a £1,000 pension contribution.
Freelance podcast editors juggle monthly software subscriptions and one-off hardware purchases with very different tax treatment. Full worked example on £32,000 turnover, plus the AIA rules on mics and interfaces.
Self-employed potters and ceramicists selling via markets, galleries and online face kiln costs, clay stock and stall fees. Full worked example on £19,000 turnover shows a £190 tax and NI bill.
