UK tax guides
Plain-English explainers for the 2026/27 tax year — the bands, the thresholds, and the quirks worth knowing. Every figure is traced to an official source, and each guide links the calculator that works out your own numbers.
The £100,000 tax trap and the 60% rate
Why earning over £100k can cost an effective 60%, and how a pension fixes it.
UK income tax bands explained (2026/27)
The Personal Allowance, 20%, 40% and 45% rates — how they fit together.
National Insurance explained
The 8% and 2% employee rates, the thresholds, and what NI actually pays for.
Salary sacrifice explained
How sacrifice saves Income Tax AND National Insurance — with the trade-offs.
Student loan repayments explained
Plans 1, 2, 4, 5 and Postgraduate — thresholds, rates, and combining plans.
Scottish income tax explained (2026/27)
Six bands from 19% to 48%, and how Scotland differs from the rest of the UK.
NHS pay and pension explained
Agenda for Change bands and the tiered NHS pension, and how they affect take-home.