ISA vs pension is one of the most important financial decisions a UK saver can make. We break down the rules, tax relief, April 2027 IHT changes, LISA rules, and give you a worked example for a 30-year-old basic-rate taxpayer investing £500 a month.
Junior ISA: £9,000/yr, accessible at 18. Junior SIPP: £3,600 gross/yr, grows to retirement. Comparing flexibility, compound growth, and the right split strategy for 2026/27.
Should UK contractors operate through a limited company or an umbrella company in 2026/27? We compare tax take-home, IR35 risk, expenses, employment rights and admin burden — with a worked £500/day example.
The Marriage Allowance saves eligible couples up to £252/year in income tax. Backdated claims covering 2022/23 to 2026/27 can unlock a one-off payment of up to £1,260. Full guide to who qualifies and how to apply.
Statutory Maternity Pay is £194.32/week in 2026/27 for 33 weeks, after 6 weeks at 90% AWE. Full guide to SMP, Maternity Allowance, Shared Parental Leave, KIT days, and a £35,000 salary worked example.
May 2026 is the second payslip of the 2026/27 tax year — and it may look very different from last April. NLW rose to £12.71, employer NI hit 15%, student loan thresholds changed. Here's what every pay change means.
Class 2 National Insurance was abolished from April 2024. Here is what that means for self-employed people in 2026/27 — State Pension credits, Class 4 rates, voluntary Class 3 contributions, and how to check your NI record.
The National Living Wage rose to £12.71/hour from 1 April 2026 — a 4.1% increase. We cover all NMW/NLW rates, the impact on 2 million workers, take-home pay at NLW, employer compliance, and what the rise means for household budgets.
Ofgem's Q3 2026 price cap is forecast to fall to £1,720–£1,780 per year as wholesale gas prices ease. Here's what the new unit rates mean for your bill, whether to fix now, and grants available.
With mortgage rates at ~4.5% and savings accounts at 4-5%, is overpaying your mortgage the right call in 2026? Full break-even analysis, ERC rules, tax angles, and a worked example saving £22,400.
Carry forward lets you use unused Annual Allowance from the past three tax years. In 2026/27, you could potentially contribute up to £240,000 to your pension. Who benefits, how to calculate it, and the crucial IHT deadline.
How much pension should you contribute in 2026? Rules of thumb, PLSA living standards targets, contribution scenarios with real numbers, and why higher-rate taxpayers get 40% tax relief effectively free.
