In-depth, plain-English explanations of UK tax, property, savings and pay. Updated for the 2025/26 tax year. Each guide links to relevant calculators so you can apply the rules to your own situation.
Complete guide to Class 1, 2, 3 and 4 NI for 2025/26 — including the April 2025 employer rate change to 15%.
Every UK property transaction tax in one place: England, Scotland, Wales — bands, FTB relief, surcharges, worked examples.
The full 10-step process from saving your deposit to completion day. LISA, schemes, costs, mortgage tips.
Cash ISA, Stocks & Shares ISA, Lifetime ISA, Junior ISA — £20,000 allowance, tax-free returns, how to choose.
State Pension, Workplace (DC vs DB), SIPP — annual allowance, tax relief, LSA/LSDBA after Lifetime Allowance abolition.
Complete UK self-employed guide — Self Assessment, Class 4 NI, MTD, VAT, IR35, allowable expenses, payment on account.
Every UK tax code decoded — 1257L, BR, K, NT, emergency W1/M1/X, Scottish S, Welsh C prefixes. How to check and fix yours.
£12.21 NLW from April 2025 + all NMW rates, history table back to 2016, enforcement and exemptions.
Full UK CGT guide for 2025/26 — £3k allowance, 18%/24% rates after October 2024 Budget, property, shares, BADR.
£325k nil-rate band, £175k RNRB, 7-year gifts rule, 36% charity rate, planning techniques.
How married couples can transfer £1,260 of personal allowance to save up to £252 a year. Backdating, eligibility, scam warning.
Ofgem default tariff cap explained — unit rates, standing charges, regional variations, quarterly reviews, fixed vs cap.
Complete UK landlord guide — 5% SDLT surcharge, Section 24 mortgage interest restriction, BTL mortgages, rental yields, limited company option.
Every UK mortgage decoded — fixed vs variable, tracker, offset, interest-only, repayment, BTL, FTB.
How salary sacrifice saves both Income Tax AND NI — pension, EV, cycle-to-work and more.
Complete UK BIK guide — company cars (3% BIK for EVs), medical insurance, Class 1A NI at 15%.
UK Off-Payroll Working — inside vs outside IR35, CEST tool, status determination, contractor strategies.
All UK statutory pay rates 2025/26 — SMP, SSP, SPP, SAP, ShPP, Maternity Allowance.
All 5 plans (1, 2, 4, 5, postgrad) — thresholds, write-off dates, should you overpay.
Every line of your UK payslip decoded — earnings, deductions, BIK, what to check.
CGT at 18%/24% on disposals, Income Tax on staking and mining, NFTs, DeFi and HMRC Self-Assessment reporting.
The £1,000 Trading Allowance, when to register for Self-Assessment, eBay/Etsy/Vinted rules and platform reporting.
Personal Savings Allowance (£1,000/£500/£0), £5,000 starting rate, ISA exemption and how HMRC collects unpaid tax via your tax code.
£7,500 tax-free allowance for renting a furnished room in your main home, two relief methods, CGT/insurance/Council Tax knock-on effects.
Voluntary Class 3 and Class 2 NI to fill gaps and boost State Pension — 6-year backdate rule (April 2025 deadline closed), cost-benefit and when it is worth it.
Worldwide income rules for UK residents — SRT, the new 4-year FIG regime replacing non-dom remittance, foreign rental, dividends, pensions and DTTs.
CT for Ltd companies — 19% small/25% main/marginal relief, associated companies divisor, capital allowances, R&D, QIPs and admin dates.
20% standard, £90k registration threshold, MTD, Flat Rate / Cash Accounting / Annual Accounting schemes, and post-Brexit place-of-supply rules.
2 weeks SPP + up to 50 weeks SPL (37 paid), 2024 flexibility changes, eligibility, ShPP rate and how to notify your employer.
£500 allowance, 8.75%/33.75%/39.35% rates, salary-vs-dividend strategy for directors and HMRC reporting.
Who must file, 31 Oct paper / 31 Jan online deadlines, payments on account, penalties and MTD ITSA from April 2026.
Scottish Income Tax, LBTT, Plan 4 student loans.
Welsh Rates of Income Tax (WRIT), LTT, Council Tax.