Personally-paid income protection payouts are tax-free. Employer-paid group policies are taxable. This guide explains the P11D, Class 1A NI and how to structure cover tax-efficiently.
From April 2027, unspent pension pots will be included in your estate for IHT purposes. This guide explains what changes, how much tax you might pay and what planning steps to take now.
Inside IR35, contractors pay PAYE + NI like employees. Outside IR35, they can draw dividends and claim expenses. This guide compares take-home pay at GBP 400-600/day day rate.
Contracting inside IR35 means being taxed like an employee, which reduces your take-home pay significantly compared to operating outside. This guide uses worked examples at GBP 400/day and GBP 600/day to show the real difference in 2026.
Child Trust Funds were replaced by JISAs in 2011, but CTF holders can transfer. JISA allowance is GBP 9,000/year. This guide covers the transfer process, investment options and tax advantages.
The LISA 25% withdrawal penalty reclaims the bonus plus 6.25% of your own savings. You can only withdraw penalty-free for a first home (up to GBP 450k) or from age 60. Full guide.
A Lifetime ISA lets you save up to GBP 4,000 per year and receive a 25% government bonus. You can use it to buy your first home worth up to GBP 450,000 or access funds tax-free from age 60. This guide explains all the LISA rules for 2026.
MTD for ITSA is mandatory from April 2026 for self-employed and landlords earning over GBP 50,000. Quarterly digital updates replace the annual SA return. Here is what you need to do now.
Marriage Allowance transfers GBP 1,260 of personal allowance from lower to higher earner, saving GBP 252/year. You can backdate 4 years for up to GBP 1,260 total. Here is how.
Marriage Allowance and Married Couple's Allowance sound similar but are entirely different tax reliefs with different eligibility rules. Marriage Allowance is available to most couples and saves up to GBP 252 per year, while Married Couple's Allowance applies only to those born before April 1935. This guide explains both.
Filling NI gaps costs GBP 18.40/week (GBP 956.80/year) for Class 3 voluntary contributions. With the full State Pension worth GBP 241.30/week, the break-even is typically under 3 years. Full guide.
The National Living Wage rose to GBP 12.71/hour in April 2026 (up 4.1%). This guide shows what that means for weekly and monthly take-home, employer NI changes and payroll budgeting.
