UK Finance Guides
Free, practical guides on tax, investing, property, and personal finance.
Tax Guides
What is PAYE?
How Pay As You Earn works
Tax Code Meanings
Every letter and number explained
Salary Sacrifice
How it works and when to use it
Stamp Duty
SDLT rates and worked examples
Dividend Tax
Rates and optimal extraction
IR35 Explained
Inside vs outside and what it means
Crypto Tax UK
CGT on Bitcoin and crypto
ISA Guide
Every type of ISA explained
Pension Guide
Workplace, SIPP, State Pension
Self Assessment
Key dates and penalties
Capital Gains
CGT rates and allowances
Pension Withdrawal
Drawdown vs annuity
National Insurance
Rates and what it pays for
Contractor vs Permanent
Side by side comparison
Ltd Company Tax
Corporation tax and extraction
Investing and Money
How to Start Investing
Beginner's guide to investing
Stock Market
How shares and markets work
Bonds
Gilts and fixed income
Funds and ETFs
Index funds vs active
Tracker Funds
Low-cost index tracking
Diversification
Why spreading risk matters
ISA Types
Cash, S and S, LISA compared
ISA Rate Tracker
Best ISA rates right now
Pension vs ISA
Which is better for you?
Pensions
Complete UK pension guide
State Pension
How much and when
Premium Bonds
Are they worth it?
Mortgages
Fixed, variable, tracker
Mortgage Guide
Everything you need to know
Paying Off Mortgage Early
Overpayment strategies
First Time Buyer
Step by step guide
Help to Buy
Government scheme explained
Buy to Let
Is it worth it?
Stamp Duty Guide
Every rate and exemption
How Tax Works
Marginal rates explained
Self Employed Tax
Sole trader vs Ltd
National Insurance Guide
NI rates and thresholds
Working From Home Tax
Claim tax relief for WFH
Tax Wrappers
ISAs, SIPPs, and more
Tax-Efficient Giving
Gift Aid and charitable donations
Inheritance Tax
Thresholds and planning
Credit Scores
How to check and improve
Improve Your Credit Score
Practical tips to boost it
Good Debt vs Bad Debt
Know the difference
Paying Off Debt
Avalanche vs snowball
Inflation
Why your money loses value
Financial Independence
FIRE and the 4% rule
Budgeting 101
How to budget your money
Emergency Fund
How much do you need?
Building an Emergency Fund
Step by step savings guide
Salary Negotiation
Get paid what you are worth
Side Hustle Ideas
Ways to earn extra income
How to Invest
Platforms and funds
Council Tax
Bands, discounts, exemptions
Energy Bills
Cut your gas and electric costs
Universal Credit
Eligibility and how to claim
Child Trust Fund
How to access your CTF
Compound Interest
The eighth wonder of the world