Plain-English guides to help you understand UK tax and keep more of your salary.
Net-to-gross table for 2026/27: the salary needed for every monthly take-home from £1,200 to £10,000, UK and Scotland, with and without pension and student loan.
What you keep of a £1,000–£10,000 bonus at every salary, why the bonus payslip looks worse, and when to sacrifice it into a pension.
Income tax, NI, take-home and marginal rate for every £1,000 salary from £10,000 to £200,000 — UK and Scotland side by side.
What gets deducted from your salary and how to calculate your actual take-home pay.
What your tax code means, how to check it, and what to do if it's wrong.
NI rates, thresholds, and how contributions affect your take-home pay.
All 6 Scottish tax bands compared to England. See the difference at every salary.
How pension contributions reduce your tax bill and how to maximise relief.
How salary sacrifice works for pensions, electric cars, and cycle to work schemes.
The hidden 60% tax rate between £100k and £125k and how to avoid it.
Repayment thresholds, rates, and strategies for Plans 1-5 and postgraduate loans.
Transfer £1,260 of personal allowance to your partner and save up to £252/year.
Income tax, Class 4 NI, allowable expenses, and payments on account.
New starter and basic rate bands, take-home pay changes, and Scotland vs England comparison.
Worked examples at £20k, £30k, £50k, £75k, and £100k showing income tax, NI, and take-home pay.
MTD for Income Tax is live from April 2026. Who's affected, quarterly filing obligations, software, and how to prepare.
The £60,000 HICBC threshold, how the taper works with examples, and salary sacrifice strategies to keep your benefit.
Dividend tax rates, allowances, worked examples for Ltd company directors, and strategies to reduce your tax bill.
Every change from 6 April 2026: frozen thresholds, dividend tax rises, NLW at £12.71/hr, MTD launch, and homeworking relief scrapped.