Maturing Sharesave or Share Incentive Plan shares can be transferred into a stocks and shares ISA within 90 days to shelter them from future tax. Here is how the share exchange works in 2026/27.
A Share Incentive Plan lets employees buy company shares out of pre-tax pay and hold them free of Income Tax and National Insurance if kept for five years. Here is how the tax relief works with a worked example.
Staircasing up your shared ownership share sounds simple but the real cost includes a fresh valuation, legal fees, SDLT and a bigger mortgage. Here is the full sum.
A Sharesave or SAYE scheme lets you save up to GBP 500 a month, then buy employer shares at a discount with no Income Tax on the gain. Here is how the three and five-year contracts and CGT shelter work.
HMRC flat rates can save record-keeping, but actual costs often beat them. A worked comparison for sole traders deciding which method to use.
On one GBP 65,000 salary supporting a family, the higher-rate band and the High Income Child Benefit Charge both bite. Here is the 2026/27 take-home and how a pension contribution can claw value back.
The small pots rule lets you take up to three personal pensions worth GBP 10,000 or less each as lump sums, with 25% tax-free and no Money Purchase Annual Allowance trigger. Here is how it works in 2026/27.
New sole traders are often blindsided by a tax bill that includes income tax, Class 4 National Insurance and a payment on account. Here is how much of each invoice to set aside in 2026/27, with a clear worked example.
ISA allowances cannot be shared, but spouses each get their own GBP 20,000. Used together, a couple can shelter GBP 40,000 a year tax free in 2026/27. Here is how to do it properly.
Even someone with no earnings can pay GBP 2,880 a year into a pension and HMRC adds GBP 720 of tax relief to make GBP 3,600. Here is how the non-earner pension rule works for a stay-at-home spouse in 2026/27.
The Capital Gains Tax Annual Exempt Amount is just GBP 3,000 in 2026/27. Splitting a disposal across two tax years and transferring assets to a spouse can shelter up to GBP 12,000 of gains, legally and free of tax between spouses.
Hiring a subcontractor looks cheaper than an employee, but employer NI, holiday and status risk change the maths. A side-by-side cost comparison for small businesses.
