UK money guides, in plain English
Every guide reports the rules as they are, names its sources, and pairs with the calculator that runs your numbers. Reviewed for the 2026/27 tax year.
Your pay & tax
Autumn Budget 2026: what's decided, what's rumour
Every measure labelled decided, pledged or rumour, with its gov.uk source and the calculator that shows what it means for you.
Read the tracker →How much tax will I pay on my salary?
Income tax and National Insurance on a UK salary, band by band, with a worked example.
Read the guide →How are dividends taxed in the UK?
The £500 allowance, the 10.75%, 35.75% and 39.35% rates, and how dividends stack on your salary.
Read the guide →Studying & student loans
Working for yourself
Saving & investing
Are Premium Bonds worth it?
What a typical holder actually wins, your real odds, and the two cases where they beat a savings account.
Read the guide →ISA vs SIPP: which is better?
Where each wrapper gives its tax break, when each one wins, and a worked example.
Read the guide →Is the Lifetime ISA being scrapped?
What the Treasury consultation confirms, what is still blank, and what it means if you hold one.
Read the guide →How much emergency fund do I need?
How many months to hold, where to keep it, and how to build it without derailing everything else.
Read the guide →How much Capital Gains Tax will I pay?
The £3,000 exempt amount, the rates on shares and property, and how gains stack on your income.
Read the guide →Buying a home
How much can I borrow for a mortgage?
Income multiples, the affordability stress test, and what lenders actually check.
Read the guide →Should I overpay my mortgage?
What overpaying saves, the 10% annual limit, and when saving or investing beats it.
Read the guide →Retiring
How does pension tax relief work?
The 20% that's automatic, the 20% or 25% you have to claim yourself, and the band where relief is worth 60%.
Read the guide →How much do I need to retire in the UK?
How to size a retirement pot, what the rules of thumb assume, and the number for your income.
Read the guide →Get the UK money numbers on release day
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Guides are information, not financial advice, and every figure is sourced to gov.uk, HMRC or the named provider. Spotted something out of date? Tell us and we will check it against the source.