If your self-employed profits are low, voluntary Class 2 National Insurance can buy a full qualifying year for a fraction of the cost of Class 3. Here is how the maths stacks up in 2026/27.
Coast FIRE is the point where your existing pension and ISA pot will grow into a full retirement fund on its own, even if you stop adding money. This guide shows how to estimate your UK Coast FIRE number for 2026/27.
What does a GBP 450 daily contract rate actually leave in your pocket? This worked example runs the numbers through a limited company for 2026/27, covering corporation tax, an optimal salary and dividends.
Large companies must pay corporation tax in quarterly instalments rather than nine months after year end. Learn the GBP 1.5m profit threshold, how associated companies affect it and when payments fall due in 2026/27.
A pay rise from GBP 99,000 to GBP 101,000 triggers the Personal Allowance taper and the 60% trap. Here is the 2026/27 take-home on each side of GBP 100,000 and the surprising marginal maths.
Earning past GBP 50,270 makes you a higher-rate taxpayer for the first time. Here is what changes for income tax, National Insurance, dividends and savings in 2026/27, with a clear worked example.
Rolling credit card and loan debt into your mortgage can cut monthly payments but cost more over time. Here is how to weigh a consolidation remortgage in 2026.
Each spouse gets a GBP 500 dividend allowance in 2026/27. Transferring shares to a lower-rate partner can save real tax. Here is how the numbers work and the rules to follow.
How reinvesting dividends turbocharges a FIRE pot, and whether to do it inside an ISA or a pension in the UK for 2026/27, with a worked comparison.
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.
