UK personal finance, clearly explained
Plain-English guides to salary tax, mortgages, pensions, and more — backed by HMRC and ONS data, updated for 2025/26.
UK Salary Calculator — Take-Home Pay After Tax & NI
How income tax, National Insurance, pension contributions and student loan repayments actually work — with real examples for every salary band.
UK Mortgage Guide — Repayments, Overpaying & Remortgaging
How mortgage repayments are calculated, when overpaying makes sense, and what to look for when remortgaging.
UK Pension Guide — How Much to Save and When to Start
Workplace pensions, tax relief, the annual allowance, and how to project your pot at retirement.
FIRE in the UK — Your Financial Independence Number
The 4% rule, safe withdrawal rates, and how to calculate the pot you need to retire early in the UK.
UK Capital Gains Tax Guide — Rates, Allowances & Reporting
CGT on shares, property and other assets. The annual exempt amount, 60-day reporting rule, and how to reduce your bill.
UK Inheritance Tax Guide — Thresholds, Exemptions & the 2027 Changes
Nil-rate bands, RNRB, spouse transfer, and what the April 2027 pension changes mean for your estate.
Run the numbers yourself
Every guide has a matching calculator. Free to use — no account needed.