Guides
Plain English guides to UK taxes, payroll and personal finance, with worked examples and links to our free calculators.
UK Tax Year 2026/27: Complete Guide
All income tax bands, NI rates, student loan thresholds and pension limits for the current tax year.
PayrollHow PAYE Works in the UK
How employers calculate and deduct income tax and NI from your pay, including tax codes and cumulative vs Week 1 basis.
Income TaxIncome Tax Bands Explained
A breakdown of UK income tax rates for England, Wales, Northern Ireland and Scotland, with worked examples.
National InsuranceNational Insurance Explained
Employee and employer NI rates, thresholds, classes and how contributions affect your State Pension.
Student LoansStudent Loan Repayment Guide
Repayment thresholds and rates for Plan 1, 2, 4, 5 and postgraduate loans, plus how they interact with PAYE.
PensionsPension & Salary Sacrifice Explained
How workplace pensions work, auto-enrolment minimums, and the tax advantages of salary sacrifice vs relief at source.
Updated for 2026/27 tax year