Full take-home pay table for all NHS Band 5 pay points 2025/26. Includes NHS pension, London supplements, student loan deductions and unsocial hours.
NHS Band 7 take-home pay 2026: full salary range £46,148–£52,809, monthly net pay table with tax, NI and pension, London supplements and Band 8a comparison.
The real cost of opting out of the NHS pension in 2026: 23.7% employer contribution lost, defined benefit value vs SIPP, and the rare scenarios where opting out makes sense.
Opting out of auto-enrolment means forfeiting your employer's 3% contribution. See the full 40-year compound cost and when opting out might actually make sense.
Should you take the 25% pension tax-free cash in 2026? PCLS rules, phased drawdown, Lump Sum Allowance £268,275, DB commutation factors, and death benefit changes.
Full guide to PPS 2015 CARE scheme: contribution tiers, accrual rate, McCloud remedy, early access reductions, and a worked take-home pay example.
HMRC allowable expenses for sole traders in 2026/27: travel, home office, equipment, clothing, staff costs and what you cannot claim. Real examples included.
Sole trader vs Ltd company UK 2026/27: tax comparison at £30k–£100k profit, crossover points, accountancy costs, and a full £80k scenario breakdown.
From 1 April 2025, the stamp duty nil-rate threshold for first-time buyers dropped from £425,000 to £300,000. If you are buying above £300,000, your bill has gone up — sometimes by thousands. Here is what changed, worked examples, and what it means for you.
The 2% SDLT non-resident surcharge explained: who pays it, how it stacks with the additional-property surcharge, refund route, and worked examples for 2026/27.
Plan 5 applies to English students starting August 2023. Learn the £25,000 threshold, 9% repayment rate, 40-year write-off, and why most graduates won't fully repay.
1257L is the standard UK tax code for 2026/27. Learn what every digit and letter means, what common codes like BR and 0T cost you, and how to fix a wrong code.
