Guides

Understand the rules,
not just the numbers

Plain-English explainers on UK tax and finance — written for people who find HMRC's website impossible to decode.

How UK Income Tax Works (2025–26)

Personal allowance, tax bands, the 60% trap, Scotland rates, and PAYE — all in plain English.

National Insurance Explained (2025–26)

Employee and self-employed rates, what NI actually funds, and how your contributions build your State Pension entitlement.

Capital Gains Tax: UK Guide (2025–26)

Annual exempt amount, rates after the 2024 Budget, 60-day property reporting, and the reliefs worth knowing about.

UK Self Assessment: A Complete Guide

Who needs to file, the deadlines that matter, what to gather, payments on account, and how to avoid late penalties.

UK Pension Tax Relief Explained (2025–26)

How relief at source and net pay work, the £60,000 annual allowance, carry forward, and the MPAA — so you actually understand your pension.

Stamp Duty Land Tax (SDLT): UK Guide

Residential rates, the first-time buyer threshold, the 5% additional dwelling surcharge from Oct 2024, and how it all works.

ISA Guide 2025–26: Types, Allowances & Rules

Cash ISA, Stocks & Shares ISA, Lifetime ISA, and Junior ISA — the £20,000 annual limit, what's tax-free, and which wrapper suits your situation.

UK Dividend Tax Guide (2025–26)

The £500 allowance, 8.75%/33.75%/39.35% rates, how dividends interact with income tax, and strategies for directors and investors to reduce the bill.

UK Student Loan Repayment Guide

Plans 1, 2, 4, 5, and Postgrad — thresholds, interest rates, write-off dates, and the IFS finding that 75% of Plan 2 borrowers will never fully repay.