Cutting from five to four days for a 20% pay cut does not cut your take-home by 20%. A GBP 50,000 worker dropping to GBP 40,000 loses about GBP 7,200 net, not GBP 10,000, because tax and NI fall too.
How early repayment charges work on a UK fixed-rate mortgage, when they apply, and how to work out whether paying one is worth it in 2026.
The Enterprise Investment Scheme offers 30% Income Tax relief on investments up to GBP 1m a year, plus tax-free growth and loss relief. Here is how it works for higher earners in 2026/27, with the risks spelled out.
Your first flexible pension withdrawal is usually taxed on a month 1 emergency code, which can overtax a one-off lump sum by thousands. Here is why it happens and how to reclaim it in 2026/27.
Paying a spouse a genuine wage can use their GBP 12,570 Personal Allowance and shift income out of your higher-rate band. Learn the wholly and exclusively rule, the NI thresholds, and the traps that get small businesses caught.
The GBP 10,500 Employment Allowance cuts employer NI, but a company whose only employee is its sole director usually cannot claim it. Here is the rule and the planning around it.
Both ETFs and investment trusts can sit in your ISA, but they are structured very differently. Here is how they compare on cost, income, discounts and gearing for 2026/27 investors.
A flexible ISA lets you take money out and put it back in the same tax year without it counting again towards your GBP 20,000 allowance. This guide explains how the rule works and the traps to avoid.
Fractional shares let you buy a slice of a high-priced share inside your Stocks and Shares ISA, putting your full GBP 20,000 allowance to work. This guide covers how they fit ISA rules in 2026/27.
You have used all GBP 20,000 of ISA allowance and still have cash to invest. Here is how a taxable General Investment Account is taxed in 2026/27 and how to keep the bill low.
A Gift Aid donation pushes the top of your 20% basic-rate band higher, so a higher-rate taxpayer reclaims 20% on the gross gift. Donate GBP 800 net and a GBP 1,000 gross gift can cut your tax bill by GBP 200.
A GBP 33,000 graduate salary looks healthy until the Plan 5 student loan and pension auto-enrolment land. Here is the full 2026/27 take-home, deduction by deduction.
