Repayment Guides

Strategy

Student Loan Repayment Strategy 2026/27

Overpayment maths, the 30/40-year write-off rules, and the Plan 2 vs Plan 5 decision—all in one place.

Read Economics

Interest Rates: Complete Guide

How RPI and market caps affect your balance growth in 2026/27.

Read Lending

Student Loans & Mortgages

How lenders view your repayments and the impact on your borrowing power.

Read Postgrad

Postgraduate Loan Guide

How Masters and Doctoral loans stack on top of your undergraduate repayments.

Read Essentials

Student Loan Essential Guides

Part-time thresholds, bonus traps, disability write-offs, moving abroad penalties, and Australia comparisons.

Read OWR

Overseas Workdays Relief: Complete Guide 2026/27

Eligibility, the 30% cap, paradigm shift, HMRC audit-proofing, and the hidden trade-offs of the Personal Allowance forfeiture.

Read Tax Planning

Pension Tax Relief: Net Pay vs RAS vs Salary Sacrifice

Understand how different pension contribution methods affect your take-home pay, NI, and student loans.

Read PAYE

UK Tax Codes Explained: 1257L, K Codes & Scottish Prefixes

Decode your tax code and understand how it affects your payslip calculations.

Read Basics

Understanding Your Payslip 2026/27

Decode every line: gross vs net, PAYE, National Insurance, pensions, student loans and year-to-date.

Read High Earner

The £100k Tax Trap & Scottish Marginal Rates

Discover the hidden 60%+ marginal rates between £100k–£125k and how Scotland differs.

Read Pension

NHS Pension Explained 2026/27

How the 2015 CARE scheme works: contribution tiers 8.3%–12.5%, employer 23.7%, revaluation and tax.

Read Pension

Teachers' Pension Scheme Explained 2026/27

TPS tiers 7.4%–11.7%, employer 28.68%, accrual 1/57th, retirement age and the tax impact.

Read Pension

Pension Tax Relief & Salary Sacrifice vs Net Pay

Net Pay, Relief at Source and Salary Sacrifice explained—plus the side-by-side comparison of SS vs Net Pay.

Read Scotland

Scottish vs English Income Tax 2026/27

Band-by-band comparison and exactly where Scots pay more, with a worked £45k example.

Read Student Loan

Student Loan Plan Comparison 2026/27

Plan 1 vs 2 vs 4 vs 5 plus Postgraduate Loan thresholds, rates and worked examples.

Read Tools

Take-Home Calculator Comparison

How we compare with The Salary Calculator and Listentotaxman, feature by feature.

Read Digital PR

NHS vs Teacher Employer Pension — Data Card

Shareable, citation-ready 2026/27 comparison (23.7% vs 28.68%) for journalists and bloggers.

Read Allowance

Marriage Allowance Guide 2026/27

Transfer £1,260 of Personal Allowance to save up to £252/yr — eligibility and how to claim.

Read Salary Sacrifice

Salary Sacrifice Guide 2026/27

How sacrificing salary for pensions, childcare, EVs and cycle-to-work cuts Income Tax and NI.

Read Child Benefit

Child Benefit Tax Charge (HICBC)

The High Income Child Benefit Charge claws back 1% per £200 from £60k; full at £80k.

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