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Notes on pay, tax and payslips

Working through the parts of a payslip that catch people out

Working from home: the tax relief ended in April 2026

Published 14 October 2026

The £6 a week home working tax relief can no longer be claimed from 6 April 2026. What it was worth, what still applies, and what to ask your employer.

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Payslips, P60 and P45: what to keep and why

Published 14 October 2026

What each pay document is for, when you get it, what happens if you lose it, and a simple filing routine that makes tax code checks quick.

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UK Tax Bands 2026/27: What You'll Actually Take Home at Every Salary Level

Published 15 January 2026

The real numbers: what you actually take home at £25k, £35k, £50k, £75k, and £100k after income tax and NI. Plus why frozen thresholds are quietly dragging more people into higher bands.

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The £100,000 Tax Trap: Why Earning More Can Mean Taking Home Less

Published 5 February 2026

Earn between £100k and £125,140? You're keeping just 38p of every extra pound. Here's how the personal allowance taper creates a hidden 60% tax rate and what you can do about it.

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Salary Sacrifice Explained: How to Boost Your Take-Home Pay

Published 22 February 2026

Pensions, cycle-to-work, electric cars, extra holiday: salary sacrifice can save you thousands a year in tax and NI. Here's how each scheme works and what you'd actually save.

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Scottish Income Tax 2026/27: What You Take Home Compared With the Rest of the UK

Published 5 May 2026

Six bands instead of three. The crossover is £33,493: below it Scots pay slightly less, above it a lot more. Plus the 50% marginal band between £43,663 and £50,270.

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Tax Codes Explained: Every Letter on Your Payslip and What It Costs You

Published 9 June 2026

What 1257L, BR, D0, 0T and K actually mean, why an emergency code overtaxes you, the six reasons codes go wrong, and how to get one corrected in ten minutes.

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Bonuses and Overtime: Why Your Payslip Looks Wrong and What You Actually Keep

Published 14 July 2026

There is no bonus tax. A worked example of the temporary 40% spike, the National Insurance saving nobody mentions, and the student loan deduction that never comes back.

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Student Loan Repayments: Which Plan You Are On and What It Costs Each Month

Published 25 August 2026

All five plans compared for 2026/27, with the monthly deduction at £28k, £35k and £50k, the real graduate marginal rate, and the write-off date for each plan.

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