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Plain-English UK library

The UK rulebook, without the jargon.

Clear, no-nonsense guides to the money and visa thresholds, fees and tables that actually affect you, updated for the 2026/27 tax year and the latest Home Office rules.

15 articles · updated weekly

15 results

Featured

Money & Tax·9 min read

How Big a Pension Pot Do You Need? Income Table

A pension pot table showing how much you need to save for different retirement incomes in 2025/26, using the 4% rule and the State Pension, from £5,000 to £40,000 a year.

9 Jun 2026Read guide

Money & Tax8 min

Minimum Wage as an Annual Salary: Hours Table 2025/26

What the National Living Wage of £12.21 works out to as an annual salary in 2025/26, a table by hours worked per week, plus the full-time figure and the other age rates.

9 Jun 2026Read

Money & Tax9 min

ISA Growth Table: What Regular Investing Could Become

A stocks and shares ISA growth table showing what investing £50 to £1,000 a month could grow to over 10, 20 and 30 years at 5%, plus how the £20,000 allowance works.

9 Jun 2026Read

Money & Tax11 min

UK Salary After Tax 2025/26: Full Take-Home Pay Table

See exactly what every UK salary is worth after tax in 2025/26, a full take-home pay table from £15,000 to £150,000 showing income tax, National Insurance and monthly net pay.

9 Jun 2026Read

Money & Tax10 min

How Much Tax Will You Pay on £60,000 in 2025/26?

A full breakdown of the income tax and National Insurance on a £60,000 UK salary in 2025/26, your monthly take-home, the 40% band you have entered, and how to claw it back.

9 Jun 2026Read

Money & Tax8 min

Marriage Allowance: How to Claim £252 Back (and Backdate It)

The Marriage Allowance explained for 2025/26, who qualifies, how transferring £1,260 of personal allowance saves a couple up to £252 a year, and how to backdate four years.

9 Jun 2026Read

Money & Tax10 min

Capital Gains Tax in 2025/26: What You Pay on Shares and Property

How Capital Gains Tax works in 2025/26, the shrunken £3,000 allowance, the 18% and 24% rates, what counts as a gain, and the reliefs that legally reduce the bill.

9 Jun 2026Read

Money & Tax17 min

Earning £100,000? Beware the 60% Tax Trap

Why a £100,000 salary triggers a hidden 60% marginal tax rate in 2025/26, how the personal allowance taper works, your real take-home, what counts toward the £100k line, and how a pension fixes it.

8 Jun 2026Read

Money & Tax11 min

How Much Do You Actually Need to Retire in the UK?

A realistic look at how big a pension pot you need to retire in the UK, the income targets, the role of the State Pension, the 4% rule, and how to check if you are on track.

8 Jun 2026Read

Money & Tax9 min

National Insurance Explained: How Much Do You Actually Pay?

A clear guide to National Insurance in 2025/26, the 8% employee rate, the thresholds, what self-employed people pay, what it funds, and why it is separate from income tax.

8 Jun 2026Read

Money & Tax10 min

ISA or Pension: Where Should You Actually Put Your Money?

ISA versus pension for UK savers in 2025/26, the £20,000 ISA allowance, the Lifetime ISA bonus, pension tax relief, and how to decide which to use for your goals.

8 Jun 2026Read

Money & Tax9 min

How to Clear Credit Card Debt Faster: Snowball vs Avalanche

Two proven methods to pay off credit card and loan debt, the snowball and the avalanche, compared with worked numbers, plus how 0% balance transfers speed both up.

8 Jun 2026Read

Money & Tax9 min

Child Benefit and the High Income Charge: Should You Still Claim?

The High Income Child Benefit Charge explained for 2025/26, the £60,000 to £80,000 taper, how the charge is worked out, and why you should usually claim even if you repay it.

8 Jun 2026Read

Money & Tax10 min

Salary Sacrifice: A Pay Rise the Taxman Helps Fund

How pension salary sacrifice works in 2025/26, the income tax and National Insurance you save, a worked example, the employer NI bonus, and the traps to avoid.

8 Jun 2026Read

Money & Tax17 min

How Much Tax Will I Pay on £50,000? The £50,270 Cliff (2025/26)

Exactly what you take home on a £50,000 UK salary in 2025/26, income tax, National Insurance, the £50,270 higher-rate cliff, Child Benefit at £60,000, Scotland, and how salary sacrifice cuts the bill.

8 Jun 2026Read

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