How much of your pay rise do you actually keep?
A 5% rise doesn't mean 5% more take-home. Marginal rates, the £100K trap, student loans, and pension trade-offs explained with real numbers.
How UK income tax works: a simple guide for 2026/27
Personal Allowance, tax bands, the £100K taper trap, and how PAYE actually takes money from your pay.
National Insurance explained: how much do I pay?
Employee rates, thresholds, what NI actually pays for, and why it disappears when you hit state pension age.
Student loan repayments: which plan am I on?
Plan 1 through Plan 5 thresholds, repayment percentages, write-off dates, and a worked example at £35K.
UK tax codes explained: what 1257L actually means
How to read the numbers and letters on your payslip, common codes, emergency codes, and what to do if yours is wrong.
What is a good salary in the UK in 2026?
Median earnings, regional differences, percentile breakdowns, and how far your pay actually goes after tax and rent.