{
  "version": "https://jsonfeed.org/version/1.1",
  "title": "CalcHub Blog — UK Personal Finance",
  "home_page_url": "https://calchub.uk/blog/",
  "feed_url": "https://calchub.uk/blog/feed.json",
  "description": "Plain-English UK personal finance articles — tax, mortgages, salaries, savings, energy and the headlines that affect your money.",
  "language": "en-GB",
  "items": [
    {
      "id": "https://calchub.uk/blog/self-assessment-after-you-file/",
      "url": "https://calchub.uk/blog/self-assessment-after-you-file/",
      "title": "UK Self Assessment From Scratch — Part 8: After You File",
      "summary": "What happens after you submit your Self Assessment return — refunds, balancing payments, amendments, HMRC enquiries, the SA302 for mortgages, and the 5-year record-keeping rule",
      "content_text": "What happens after you submit your Self Assessment return — refunds, balancing payments, amendments, HMRC enquiries, the SA302 for mortgages, and the 5-year record-keeping rule",
      "date_published": "2026-09-22T00:00:00.000Z",
      "date_modified": "2026-09-22T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-assessment",
        "self-employed",
        "tax-year-2025-26"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/self-assessment-making-tax-digital/",
      "url": "https://calchub.uk/blog/self-assessment-making-tax-digital/",
      "title": "UK Self Assessment From Scratch — Part 7: Making Tax Digital for Income Tax",
      "summary": "Making Tax Digital for Income Tax (MTD ITSA) starts April 2026 for £50k+ self-employed and landlords. Here's what it means, when it applies to you, the software requirements and how it changes Self Assessment forever.",
      "content_text": "Making Tax Digital for Income Tax (MTD ITSA) starts April 2026 for £50k+ self-employed and landlords. Here's what it means, when it applies to you, the software requirements and how it changes Self Assessment forever.",
      "date_published": "2026-09-15T00:00:00.000Z",
      "date_modified": "2026-09-15T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-assessment",
        "self-employed",
        "tax-year-2026-27",
        "mtd"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/self-assessment-payments-on-account/",
      "url": "https://calchub.uk/blog/self-assessment-payments-on-account/",
      "title": "UK Self Assessment From Scratch — Part 6: Payments on Account Explained",
      "summary": "How HMRC's payments-on-account system works, why your first January bill is bigger than expected, when to reduce them, and the trap of treating January and July as separate",
      "content_text": "How HMRC's payments-on-account system works, why your first January bill is bigger than expected, when to reduce them, and the trap of treating January and July as separate",
      "date_published": "2026-09-08T00:00:00.000Z",
      "date_modified": "2026-09-08T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-assessment",
        "self-employed",
        "tax-year-2025-26"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/self-assessment-capital-gains/",
      "url": "https://calchub.uk/blog/self-assessment-capital-gains/",
      "title": "UK Self Assessment From Scratch — Part 5: Capital Gains Tax Step-by-Step",
      "summary": "How to declare capital gains on your Self Assessment. Shares, crypto, second properties, the £3,000 annual exemption, 60-day property reporting, pooling rules and worked examples for 2025/26.",
      "content_text": "How to declare capital gains on your Self Assessment. Shares, crypto, second properties, the £3,000 annual exemption, 60-day property reporting, pooling rules and worked examples for 2025/26.",
      "date_published": "2026-09-01T00:00:00.000Z",
      "date_modified": "2026-09-01T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-assessment",
        "cgt",
        "tax-year-2025-26",
        "calc-capital-gains-tax"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/self-assessment-allowable-expenses/",
      "url": "https://calchub.uk/blog/self-assessment-allowable-expenses/",
      "title": "UK Self Assessment From Scratch — Part 4: Allowable Expenses for the Self-Employed",
      "summary": "What you can and can't deduct as a sole trader on your Self Assessment. Home office, mileage, phone, subsistence, professional fees, capital allowances and the £1,000 trading allowance — with worked examples.",
      "content_text": "What you can and can't deduct as a sole trader on your Self Assessment. Home office, mileage, phone, subsistence, professional fees, capital allowances and the £1,000 trading allowance — with worked examples.",
      "date_published": "2026-08-25T00:00:00.000Z",
      "date_modified": "2026-08-25T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-assessment",
        "self-employed",
        "tax-year-2025-26",
        "calc-self-employed-tax"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/self-assessment-declaring-income/",
      "url": "https://calchub.uk/blog/self-assessment-declaring-income/",
      "title": "UK Self Assessment From Scratch — Part 3: Declaring Every Type of Income",
      "summary": "Part 3 of our Self Assessment series — how to declare employment, self-employed, dividend, rental, foreign, savings, crypto and CGT income on your UK tax return. With the boxes to fill, evidence to keep, and common errors.",
      "content_text": "Part 3 of our Self Assessment series — how to declare employment, self-employed, dividend, rental, foreign, savings, crypto and CGT income on your UK tax return. With the boxes to fill, evidence to keep, and common errors.",
      "date_published": "2026-08-18T00:00:00.000Z",
      "date_modified": "2026-08-18T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-assessment",
        "self-employed",
        "tax-year-2025-26",
        "paye",
        "calc-take-home-pay"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/self-assessment-utr-gateway-setup/",
      "url": "https://calchub.uk/blog/self-assessment-utr-gateway-setup/",
      "title": "UK Self Assessment From Scratch — Part 2: UTR and Government Gateway Setup",
      "summary": "Step-by-step guide to registering for Self Assessment, getting your UTR (Unique Taxpayer Reference) number, setting up your HMRC Government Gateway account and what to do if things go wrong.",
      "content_text": "Step-by-step guide to registering for Self Assessment, getting your UTR (Unique Taxpayer Reference) number, setting up your HMRC Government Gateway account and what to do if things go wrong.",
      "date_published": "2026-08-11T00:00:00.000Z",
      "date_modified": "2026-08-11T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-assessment",
        "self-employed",
        "tax-year-2025-26",
        "paye"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/self-assessment-do-i-need-to-file/",
      "url": "https://calchub.uk/blog/self-assessment-do-i-need-to-file/",
      "title": "UK Self Assessment From Scratch — Part 1: Do You Even Need to File?",
      "summary": "Most UK workers never need to do a Self Assessment. But about 12 million do. Here's the precise list of trigger conditions for 2024/25 and 2025/26 — and how to register if it turns out you do.",
      "content_text": "Most UK workers never need to do a Self Assessment. But about 12 million do. Here's the precise list of trigger conditions for 2024/25 and 2025/26 — and how to register if it turns out you do.",
      "date_published": "2026-08-04T00:00:00.000Z",
      "date_modified": "2026-08-04T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-assessment",
        "self-employed",
        "tax-year-2025-26",
        "calc-take-home-pay"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/working-from-home-tax-relief-uk/",
      "url": "https://calchub.uk/blog/working-from-home-tax-relief-uk/",
      "title": "Working From Home Tax Relief UK 2025/26: £6/Week If You Qualify",
      "summary": "UK working-from-home tax relief is £6/week (£312/year) of tax-free expenses — but rules tightened after 2022. Here's who qualifies, how to claim, the self-employed alternative",
      "content_text": "UK working-from-home tax relief is £6/week (£312/year) of tax-free expenses — but rules tightened after 2022. Here's who qualifies, how to claim, the self-employed alternative",
      "date_published": "2026-07-10T00:00:00.000Z",
      "date_modified": "2026-07-10T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "tax-year-2025-26",
        "calc-take-home-pay",
        "self-employed"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/pension-annual-allowance-charge/",
      "url": "https://calchub.uk/blog/pension-annual-allowance-charge/",
      "title": "Pension Annual Allowance Charge UK 2025/26: When £60k Is Not Enough",
      "summary": "The UK pension annual allowance is £60,000 but tapers to £10,000 for high earners over £260,000. Here's how the Annual Allowance Charge works, who pays, and the NHS scheme dilemma",
      "content_text": "The UK pension annual allowance is £60,000 but tapers to £10,000 for high earners over £260,000. Here's how the Annual Allowance Charge works, who pays, and the NHS scheme dilemma",
      "date_published": "2026-07-08T00:00:00.000Z",
      "date_modified": "2026-07-08T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "pension",
        "tax-year-2025-26",
        "calc-pension"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/vat-registration-small-business-uk/",
      "url": "https://calchub.uk/blog/vat-registration-small-business-uk/",
      "title": "VAT Registration for Small Business UK 2025/26: When and How",
      "summary": "UK VAT registration is mandatory above £90,000 turnover. Voluntary below. Here's the threshold, when to register, the Flat Rate Scheme, MTD VAT rules and how to deregister if turnover falls",
      "content_text": "UK VAT registration is mandatory above £90,000 turnover. Voluntary below. Here's the threshold, when to register, the Flat Rate Scheme, MTD VAT rules and how to deregister if turnover falls",
      "date_published": "2026-07-06T00:00:00.000Z",
      "date_modified": "2026-07-06T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "tax-year-2025-26",
        "vat",
        "self-employed",
        "calc-vat"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/uk-dividend-tax-explained-2025-26/",
      "url": "https://calchub.uk/blog/uk-dividend-tax-explained-2025-26/",
      "title": "UK Dividend Tax Explained 2025/26: £500 Allowance Then 8.75-39.35%",
      "summary": "UK dividend tax 2025/26 has a £500 allowance, then 8.75% basic rate, 33.75% higher rate, 39.35% additional rate. Here's how dividends stack with income, ISA shelter and director-owner tactics",
      "content_text": "UK dividend tax 2025/26 has a £500 allowance, then 8.75% basic rate, 33.75% higher rate, 39.35% additional rate. Here's how dividends stack with income, ISA shelter and director-owner tactics",
      "date_published": "2026-07-04T00:00:00.000Z",
      "date_modified": "2026-07-04T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "tax-year-2025-26",
        "calc-dividend-tax",
        "isa"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/cgt-second-home-btl-property/",
      "url": "https://calchub.uk/blog/cgt-second-home-btl-property/",
      "title": "Capital Gains Tax on Second Home & Buy-to-Let UK 2025/26",
      "summary": "Selling a second home or BTL property in the UK? You pay CGT at 18% or 24% on the gain, after the £3,000 annual exemption. Plus the 60-day reporting rule. Worked examples",
      "content_text": "Selling a second home or BTL property in the UK? You pay CGT at 18% or 24% on the gain, after the £3,000 annual exemption. Plus the 60-day reporting rule. Worked examples",
      "date_published": "2026-07-02T00:00:00.000Z",
      "date_modified": "2026-07-02T00:00:00.000Z",
      "authors": [
        {
          "name": "James Morgan",
          "url": "https://calchub.uk/blog/author/james-morgan/"
        }
      ],
      "tags": [
        "cgt",
        "btl",
        "tax-year-2025-26",
        "calc-capital-gains-tax"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/uk-tax-bands-reference-2025-26/",
      "url": "https://calchub.uk/blog/uk-tax-bands-reference-2025-26/",
      "title": "UK Income Tax Bands and Rates Reference 2025/26",
      "summary": "Quick reference for UK income tax 2025/26: rates and bands for England/Wales/NI and Scotland, plus Personal Allowance, NI thresholds, dividend rates, savings allowance and student loan thresholds",
      "content_text": "Quick reference for UK income tax 2025/26: rates and bands for England/Wales/NI and Scotland, plus Personal Allowance, NI thresholds, dividend rates, savings allowance and student loan thresholds",
      "date_published": "2026-06-30T00:00:00.000Z",
      "date_modified": "2026-06-30T00:00:00.000Z",
      "authors": [
        {
          "name": "CalcHub Editorial",
          "url": "https://calchub.uk/blog/author/calchub-editorial/"
        }
      ],
      "tags": [
        "tax-year-2025-26",
        "personal-allowance",
        "tax-codes",
        "calc-take-home-pay",
        "calc-income-tax"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/sdlt-second-home-5-percent-surcharge/",
      "url": "https://calchub.uk/blog/sdlt-second-home-5-percent-surcharge/",
      "title": "SDLT 5% Surcharge on Second Homes: The Additional Dwelling Supplement Explained",
      "summary": "Buying a second home or buy-to-let in England or NI? You pay a 5% SDLT surcharge on top of standard rates (raised from 3% in October 2024). Worked examples on £200k-£500k properties",
      "content_text": "Buying a second home or buy-to-let in England or NI? You pay a 5% SDLT surcharge on top of standard rates (raised from 3% in October 2024). Worked examples on £200k-£500k properties",
      "date_published": "2026-06-28T00:00:00.000Z",
      "date_modified": "2026-06-28T00:00:00.000Z",
      "authors": [
        {
          "name": "James Morgan",
          "url": "https://calchub.uk/blog/author/james-morgan/"
        }
      ],
      "tags": [
        "sdlt",
        "btl",
        "tax-year-2025-26",
        "calc-stamp-duty"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/hmrc-time-to-pay-tax-debt/",
      "url": "https://calchub.uk/blog/hmrc-time-to-pay-tax-debt/",
      "title": "HMRC Time to Pay: How to Spread Your Tax Bill if You Can't Afford It",
      "summary": "If you can't pay your UK Self Assessment bill on time, HMRC's Time to Pay scheme spreads it over 6-12 monthly instalments. Here's how to set one up, the 7.5% interest rate, and what protects you from penalties",
      "content_text": "If you can't pay your UK Self Assessment bill on time, HMRC's Time to Pay scheme spreads it over 6-12 monthly instalments. Here's how to set one up, the 7.5% interest rate, and what protects you from penalties",
      "date_published": "2026-06-26T00:00:00.000Z",
      "date_modified": "2026-06-26T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-assessment",
        "tax-year-2025-26",
        "calc-take-home-pay"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/sole-trader-vs-limited-company-2025-26/",
      "url": "https://calchub.uk/blog/sole-trader-vs-limited-company-2025-26/",
      "title": "Sole Trader vs Limited Company UK 2025/26: Which Structure Wins?",
      "summary": "For UK self-employed in 2025/26, sole trader is simpler but limited company saves tax above ~£35-40k of profit. Worked comparison at £30k, £50k, £80k profit — plus IR35 and admin trade-offs",
      "content_text": "For UK self-employed in 2025/26, sole trader is simpler but limited company saves tax above ~£35-40k of profit. Worked comparison at £30k, £50k, £80k profit — plus IR35 and admin trade-offs",
      "date_published": "2026-06-24T00:00:00.000Z",
      "date_modified": "2026-06-24T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "self-employed",
        "contractor",
        "tax-year-2025-26",
        "ir35",
        "calc-self-employed-tax",
        "calc-corporation-tax"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/40k-after-tax-uk-2025-26/",
      "url": "https://calchub.uk/blog/40k-after-tax-uk-2025-26/",
      "title": "£40,000 a Year After Tax in 2025/26 — Full Monthly Breakdown",
      "summary": "On a £40,000 UK salary in 2025/26 you take home £32,290 net (£2,691/month). Income tax £5,486, NI £2,194. Full breakdown with pension and student loan variants",
      "content_text": "On a £40,000 UK salary in 2025/26 you take home £32,290 net (£2,691/month). Income tax £5,486, NI £2,194. Full breakdown with pension and student loan variants",
      "date_published": "2026-06-22T00:00:00.000Z",
      "date_modified": "2026-06-22T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "calc-take-home-pay",
        "tax-year-2025-26"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/foreign-income-uk-tax/",
      "url": "https://calchub.uk/blog/foreign-income-uk-tax/",
      "title": "Foreign Income UK Tax 2025/26: How HMRC Taxes Money From Abroad",
      "summary": "If you're UK tax-resident, you typically pay UK tax on worldwide income. Here's how foreign salary, dividends, rental, US 401(k), pensions and crypto are taxed in the UK, with double tax relief",
      "content_text": "If you're UK tax-resident, you typically pay UK tax on worldwide income. Here's how foreign salary, dividends, rental, US 401(k), pensions and crypto are taxed in the UK, with double tax relief",
      "date_published": "2026-06-20T00:00:00.000Z",
      "date_modified": "2026-06-20T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "tax-year-2025-26",
        "self-assessment",
        "calc-take-home-pay"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/100k-salary-after-tax-uk/",
      "url": "https://calchub.uk/blog/100k-salary-after-tax-uk/",
      "title": "£100,000 Salary After Tax UK 2025/26: The 60% Tax Trap",
      "summary": "On a £100,000 UK salary you take home £67,803 net (£5,650/month). But every pound earned above £100k is hit by the 60% effective tax rate due to the personal allowance taper. Full breakdown",
      "content_text": "On a £100,000 UK salary you take home £67,803 net (£5,650/month). But every pound earned above £100k is hit by the 60% effective tax rate due to the personal allowance taper. Full breakdown",
      "date_published": "2026-06-18T00:00:00.000Z",
      "date_modified": "2026-06-18T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "calc-take-home-pay",
        "tax-year-2025-26",
        "personal-allowance"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/capital-gains-tax-shares-uk/",
      "url": "https://calchub.uk/blog/capital-gains-tax-shares-uk/",
      "title": "Capital Gains Tax on Shares UK 2025/26: A Practical Guide",
      "summary": "UK CGT on shares is 18% (basic rate band) or 24% (higher rate band) after the £3,000 annual exemption. Here's how Section 104 pooling works, when to report, and how 'Bed and ISA' avoids tax",
      "content_text": "UK CGT on shares is 18% (basic rate band) or 24% (higher rate band) after the £3,000 annual exemption. Here's how Section 104 pooling works, when to report, and how 'Bed and ISA' avoids tax",
      "date_published": "2026-06-16T00:00:00.000Z",
      "date_modified": "2026-06-16T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "cgt",
        "tax-year-2025-26",
        "isa",
        "calc-capital-gains-tax"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/personal-savings-allowance-uk-2025-26/",
      "url": "https://calchub.uk/blog/personal-savings-allowance-uk-2025-26/",
      "title": "Personal Savings Allowance UK 2025/26: £1,000, £500 or £0?",
      "summary": "The UK Personal Savings Allowance is £1,000 for basic-rate taxpayers, £500 for higher-rate, £0 for additional-rate. Above PSA, savings interest is taxable. Here's how it works and what to do above it",
      "content_text": "The UK Personal Savings Allowance is £1,000 for basic-rate taxpayers, £500 for higher-rate, £0 for additional-rate. Above PSA, savings interest is taxable. Here's how it works and what to do above it",
      "date_published": "2026-06-14T00:00:00.000Z",
      "date_modified": "2026-06-14T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "tax-year-2025-26",
        "isa",
        "calc-savings",
        "calc-compound-interest"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/claim-back-overpaid-tax-uk/",
      "url": "https://calchub.uk/blog/claim-back-overpaid-tax-uk/",
      "title": "How to Claim Back Overpaid Tax UK: P800, R40 and HMRC Refunds",
      "summary": "If HMRC overcharged you via PAYE (wrong tax code, emergency tax, mid-year job change), you can claim back overpaid tax through P800, R40 or your Personal Tax Account. Here's exactly how",
      "content_text": "If HMRC overcharged you via PAYE (wrong tax code, emergency tax, mid-year job change), you can claim back overpaid tax through P800, R40 or your Personal Tax Account. Here's exactly how",
      "date_published": "2026-06-12T00:00:00.000Z",
      "date_modified": "2026-06-12T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "tax-codes",
        "paye",
        "tax-year-2025-26",
        "calc-take-home-pay"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/universal-credit-work-allowance-2025-26/",
      "url": "https://calchub.uk/blog/universal-credit-work-allowance-2025-26/",
      "title": "Universal Credit & Work Allowance 2025/26: How Earnings Affect Your Payment",
      "summary": "On Universal Credit, every £1 you earn above your work allowance reduces UC by 55p (the taper rate). Here's how the work allowance, taper rate and 2025/26 rates actually work, with worked examples",
      "content_text": "On Universal Credit, every £1 you earn above your work allowance reduces UC by 55p (the taper rate). Here's how the work allowance, taper rate and 2025/26 rates actually work, with worked examples",
      "date_published": "2026-06-10T00:00:00.000Z",
      "date_modified": "2026-06-10T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "tax-year-2025-26",
        "calc-take-home-pay"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/ulez-caz-uk-2026/",
      "url": "https://calchub.uk/blog/ulez-caz-uk-2026/",
      "title": "ULEZ and Clean Air Zones UK 2026: Who Pays What",
      "summary": "London's ULEZ costs £12.50/day; Birmingham, Bristol, Sheffield and other UK Clean Air Zones charge £8-£10/day for non-compliant vehicles. Here's exactly which cars are exempt",
      "content_text": "London's ULEZ costs £12.50/day; Birmingham, Bristol, Sheffield and other UK Clean Air Zones charge £8-£10/day for non-compliant vehicles. Here's exactly which cars are exempt",
      "date_published": "2026-06-08T00:00:00.000Z",
      "date_modified": "2026-06-08T00:00:00.000Z",
      "authors": [
        {
          "name": "CalcHub Editorial",
          "url": "https://calchub.uk/blog/author/calchub-editorial/"
        }
      ],
      "tags": [
        "tax-year-2025-26",
        "calc-fuel-cost",
        "calc-car-running-cost"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/workplace-pension-auto-enrolment-explained/",
      "url": "https://calchub.uk/blog/workplace-pension-auto-enrolment-explained/",
      "title": "Workplace Pension Auto-Enrolment: The 5%+3% Rule Explained",
      "summary": "UK auto-enrolment requires 8% total pension contributions (5% you, 3% employer) on qualifying earnings £6,240-£50,270. Here's how it works, why you shouldn't opt out, and how to boost above the minimum",
      "content_text": "UK auto-enrolment requires 8% total pension contributions (5% you, 3% employer) on qualifying earnings £6,240-£50,270. Here's how it works, why you shouldn't opt out, and how to boost above the minimum",
      "date_published": "2026-06-06T00:00:00.000Z",
      "date_modified": "2026-06-06T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "pension",
        "tax-year-2025-26",
        "calc-pension",
        "paye"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/tax-free-childcare-uk-2025-26/",
      "url": "https://calchub.uk/blog/tax-free-childcare-uk-2025-26/",
      "title": "Tax-Free Childcare UK 2025/26: Up to £2,000 a Year per Child",
      "summary": "UK Tax-Free Childcare gives parents £2 for every £8 you pay into your childcare account (up to £2,000/year per child, £4,000 if disabled). Here's exactly how it works and the eligibility traps",
      "content_text": "UK Tax-Free Childcare gives parents £2 for every £8 you pay into your childcare account (up to £2,000/year per child, £4,000 if disabled). Here's exactly how it works and the eligibility traps",
      "date_published": "2026-06-04T00:00:00.000Z",
      "date_modified": "2026-06-04T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "tax-year-2025-26",
        "calc-take-home-pay"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/buy-to-let-viability-uk-2026/",
      "url": "https://calchub.uk/blog/buy-to-let-viability-uk-2026/",
      "title": "Buy-to-Let in 2026: Is It Still Worth It in the UK?",
      "summary": "After Section 24, the 5% SDLT surcharge, higher mortgage rates and 18%/24% CGT, UK buy-to-let returns in 2026 look very different to 2010. Here's the honest profitability picture with worked numbers",
      "content_text": "After Section 24, the 5% SDLT surcharge, higher mortgage rates and 18%/24% CGT, UK buy-to-let returns in 2026 look very different to 2010. Here's the honest profitability picture with worked numbers",
      "date_published": "2026-06-02T00:00:00.000Z",
      "date_modified": "2026-06-02T00:00:00.000Z",
      "authors": [
        {
          "name": "James Morgan",
          "url": "https://calchub.uk/blog/author/james-morgan/"
        }
      ],
      "tags": [
        "btl",
        "calc-buy-to-let",
        "calc-rental-yield",
        "tax-year-2025-26"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/inheritance-tax-uk-2025-26/",
      "url": "https://calchub.uk/blog/inheritance-tax-uk-2025-26/",
      "title": "Inheritance Tax UK 2025/26: Thresholds, Reliefs and the Pension Change",
      "summary": "UK Inheritance Tax kicks in above £325,000 (£500k with home + family) at 40%. Here's how the bands work, the seven-year rule on gifts, business and agricultural reliefs, and the major April 2027 pension change",
      "content_text": "UK Inheritance Tax kicks in above £325,000 (£500k with home + family) at 40%. Here's how the bands work, the seven-year rule on gifts, business and agricultural reliefs, and the major April 2027 pension change",
      "date_published": "2026-05-30T00:00:00.000Z",
      "date_modified": "2026-05-30T00:00:00.000Z",
      "authors": [
        {
          "name": "Emma Clarke",
          "url": "https://calchub.uk/blog/author/emma-clarke/"
        }
      ],
      "tags": [
        "iht",
        "tax-year-2025-26",
        "calc-take-home-pay"
      ],
      "image": "https://calchub.uk/og-default.png"
    },
    {
      "id": "https://calchub.uk/blog/mortgage-overpayment-vs-investing/",
      "url": "https://calchub.uk/blog/mortgage-overpayment-vs-investing/",
      "title": "Mortgage Overpayment vs Investing in 2026: Which Is Better?",
      "summary": "At 4.5% mortgage rates and 6% expected long-run equity returns, mortgage overpayment vs investing is closer than ever. Here's the maths on £200/month — and the behavioural factors that often matter more",
      "content_text": "At 4.5% mortgage rates and 6% expected long-run equity returns, mortgage overpayment vs investing is closer than ever. Here's the maths on £200/month — and the behavioural factors that often matter more",
      "date_published": "2026-05-28T00:00:00.000Z",
      "date_modified": "2026-05-28T00:00:00.000Z",
      "authors": [
        {
          "name": "James Morgan",
          "url": "https://calchub.uk/blog/author/james-morgan/"
        }
      ],
      "tags": [
        "calc-mortgage",
        "calc-compound-interest",
        "tax-year-2025-26"
      ],
      "image": "https://calchub.uk/og-default.png"
    }
  ]
}