Guides and insights on UK tax, salary, and maximising your net income
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.
Read more →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.
Read more →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.
Read more →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.
Read more →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.
Read more →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.
Read more →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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