# WhatsUK > WhatsUK is a free UK personal finance site with 194 calculators and 74 expert guides. All figures use official HMRC, NHS Employers, ONS and Ofgem sources for the 2026/27 tax year (6 April 2026 to 5 April 2027). Calculations run in your browser; no sign-up required. ## Calculators - [Home](https://whatsuk.com/) - [All guides](https://whatsuk.com/blog/) - [Business](https://whatsuk.com/business/) - [Break Even Calculator](https://whatsuk.com/business/break-even-calculator/) - [Contractor Take Home Calculator](https://whatsuk.com/business/contractor-take-home-calculator/) - [Invoice Generator](https://whatsuk.com/business/invoice-generator/) - [Ir35 Calculator](https://whatsuk.com/business/ir35-calculator/) - [Limited Company Tax Calculator](https://whatsuk.com/business/limited-company-tax-calculator/) - [Markup Calculator](https://whatsuk.com/business/markup-calculator/) - [Profit Margin Calculator](https://whatsuk.com/business/profit-margin-calculator/) - [All calculators](https://whatsuk.com/calculators/) - [Finance](https://whatsuk.com/finance/) - [Budget Calculator](https://whatsuk.com/finance/budget-calculator/) - [Car Finance Calculator](https://whatsuk.com/finance/car-finance-calculator/) - [Compound Interest Calculator](https://whatsuk.com/finance/compound-interest-calculator/) - [Credit Card Payoff Calculator](https://whatsuk.com/finance/credit-card-payoff-calculator/) - [Debt Repayment Calculator](https://whatsuk.com/finance/debt-repayment-calculator/) - [Emergency Fund Calculator](https://whatsuk.com/finance/emergency-fund-calculator/) - [Inflation Calculator](https://whatsuk.com/finance/inflation-calculator/) - [Isa Calculator](https://whatsuk.com/finance/isa-calculator/) - [Net Worth Calculator](https://whatsuk.com/finance/net-worth-calculator/) - [Personal Loan Calculator](https://whatsuk.com/finance/personal-loan-calculator/) - [Savings Calculator](https://whatsuk.com/finance/savings-calculator/) - [Student Loan Repayment Calculator](https://whatsuk.com/finance/student-loan-repayment-calculator/) - [Nhs](https://whatsuk.com/nhs/) - [Annual Leave Calculator](https://whatsuk.com/nhs/annual-leave-calculator/) - [Band 2 Pay](https://whatsuk.com/nhs/band-2-pay/) - [Band 3 Pay](https://whatsuk.com/nhs/band-3-pay/) - [Band 4 Pay](https://whatsuk.com/nhs/band-4-pay/) - [Band 5 Pay](https://whatsuk.com/nhs/band-5-pay/) - [Band 6 Pay](https://whatsuk.com/nhs/band-6-pay/) - [Band 7 Pay](https://whatsuk.com/nhs/band-7-pay/) - [Band 8a Pay](https://whatsuk.com/nhs/band-8a-pay/) - [Band 8b Pay](https://whatsuk.com/nhs/band-8b-pay/) - [Band 8c Pay](https://whatsuk.com/nhs/band-8c-pay/) - [Band 8d Pay](https://whatsuk.com/nhs/band-8d-pay/) - [Band 9 Pay](https://whatsuk.com/nhs/band-9-pay/) - [Pay Bands](https://whatsuk.com/nhs/pay-bands/) - [Pay Calculator](https://whatsuk.com/nhs/pay-calculator/) - [Pension Contribution Calculator](https://whatsuk.com/nhs/pension-contribution-calculator/) - [Property](https://whatsuk.com/property/) - [Bridging Loan Calculator](https://whatsuk.com/property/bridging-loan-calculator/) - [Buy To Let Calculator](https://whatsuk.com/property/buy-to-let-calculator/) - [Council Tax Calculator](https://whatsuk.com/property/council-tax-calculator/) - [Equity Release Calculator](https://whatsuk.com/property/equity-release-calculator/) - [Land Registry Fee Calculator](https://whatsuk.com/property/land-registry-fee-calculator/) - [Ltv Calculator](https://whatsuk.com/property/ltv-calculator/) - [Mortgage Affordability Calculator](https://whatsuk.com/property/mortgage-affordability-calculator/) - [Mortgage Calculator](https://whatsuk.com/property/mortgage-calculator/) - [Mortgage Overpayment Calculator](https://whatsuk.com/property/mortgage-overpayment-calculator/) - [Remortgage Calculator](https://whatsuk.com/property/remortgage-calculator/) - [Rent Affordability Calculator](https://whatsuk.com/property/rent-affordability-calculator/) - [Rental Yield Calculator](https://whatsuk.com/property/rental-yield-calculator/) - [Stamp Duty Calculator](https://whatsuk.com/property/stamp-duty-calculator/) - [Salary](https://whatsuk.com/salary/) - [100000 After Tax](https://whatsuk.com/salary/100000-after-tax/) - [100000 After Tax Scotland](https://whatsuk.com/salary/100000-after-tax-scotland/) - [110000 After Tax](https://whatsuk.com/salary/110000-after-tax/) - [110000 After Tax Scotland](https://whatsuk.com/salary/110000-after-tax-scotland/) - [120000 After Tax](https://whatsuk.com/salary/120000-after-tax/) - [120000 After Tax Scotland](https://whatsuk.com/salary/120000-after-tax-scotland/) - [125000 After Tax](https://whatsuk.com/salary/125000-after-tax/) - [125000 After Tax Scotland](https://whatsuk.com/salary/125000-after-tax-scotland/) - [130000 After Tax](https://whatsuk.com/salary/130000-after-tax/) - [130000 After Tax Scotland](https://whatsuk.com/salary/130000-after-tax-scotland/) - [15000 After Tax](https://whatsuk.com/salary/15000-after-tax/) - [15000 After Tax Scotland](https://whatsuk.com/salary/15000-after-tax-scotland/) - [150000 After Tax](https://whatsuk.com/salary/150000-after-tax/) - [150000 After Tax Scotland](https://whatsuk.com/salary/150000-after-tax-scotland/) - [16000 After Tax](https://whatsuk.com/salary/16000-after-tax/) - [16000 After Tax Scotland](https://whatsuk.com/salary/16000-after-tax-scotland/) - [17000 After Tax](https://whatsuk.com/salary/17000-after-tax/) - [17000 After Tax Scotland](https://whatsuk.com/salary/17000-after-tax-scotland/) - [18000 After Tax](https://whatsuk.com/salary/18000-after-tax/) - [18000 After Tax Scotland](https://whatsuk.com/salary/18000-after-tax-scotland/) - [19000 After Tax](https://whatsuk.com/salary/19000-after-tax/) - [19000 After Tax Scotland](https://whatsuk.com/salary/19000-after-tax-scotland/) - [20000 After Tax](https://whatsuk.com/salary/20000-after-tax/) - [20000 After Tax Scotland](https://whatsuk.com/salary/20000-after-tax-scotland/) - [200000 After Tax](https://whatsuk.com/salary/200000-after-tax/) - [200000 After Tax Scotland](https://whatsuk.com/salary/200000-after-tax-scotland/) - [21000 After Tax](https://whatsuk.com/salary/21000-after-tax/) - [21000 After Tax Scotland](https://whatsuk.com/salary/21000-after-tax-scotland/) - [22000 After Tax](https://whatsuk.com/salary/22000-after-tax/) - [22000 After Tax Scotland](https://whatsuk.com/salary/22000-after-tax-scotland/) - [23000 After Tax](https://whatsuk.com/salary/23000-after-tax/) - [23000 After Tax Scotland](https://whatsuk.com/salary/23000-after-tax-scotland/) - [24000 After Tax](https://whatsuk.com/salary/24000-after-tax/) - [24000 After Tax Scotland](https://whatsuk.com/salary/24000-after-tax-scotland/) - [25000 After Tax](https://whatsuk.com/salary/25000-after-tax/) - [25000 After Tax Scotland](https://whatsuk.com/salary/25000-after-tax-scotland/) - [26000 After Tax](https://whatsuk.com/salary/26000-after-tax/) - [26000 After Tax Scotland](https://whatsuk.com/salary/26000-after-tax-scotland/) - [27000 After Tax](https://whatsuk.com/salary/27000-after-tax/) - [27000 After Tax Scotland](https://whatsuk.com/salary/27000-after-tax-scotland/) - [28000 After Tax](https://whatsuk.com/salary/28000-after-tax/) - [28000 After Tax Scotland](https://whatsuk.com/salary/28000-after-tax-scotland/) - [29000 After Tax](https://whatsuk.com/salary/29000-after-tax/) - [29000 After Tax Scotland](https://whatsuk.com/salary/29000-after-tax-scotland/) - [30000 After Tax](https://whatsuk.com/salary/30000-after-tax/) - [30000 After Tax Scotland](https://whatsuk.com/salary/30000-after-tax-scotland/) - [31000 After Tax](https://whatsuk.com/salary/31000-after-tax/) - [31000 After Tax Scotland](https://whatsuk.com/salary/31000-after-tax-scotland/) - [32000 After Tax](https://whatsuk.com/salary/32000-after-tax/) - [32000 After Tax Scotland](https://whatsuk.com/salary/32000-after-tax-scotland/) - [33000 After Tax](https://whatsuk.com/salary/33000-after-tax/) - [33000 After Tax Scotland](https://whatsuk.com/salary/33000-after-tax-scotland/) - [34000 After Tax](https://whatsuk.com/salary/34000-after-tax/) - [34000 After Tax Scotland](https://whatsuk.com/salary/34000-after-tax-scotland/) - [35000 After Tax](https://whatsuk.com/salary/35000-after-tax/) - [35000 After Tax Scotland](https://whatsuk.com/salary/35000-after-tax-scotland/) - [36000 After Tax](https://whatsuk.com/salary/36000-after-tax/) - [36000 After Tax Scotland](https://whatsuk.com/salary/36000-after-tax-scotland/) - [37000 After Tax](https://whatsuk.com/salary/37000-after-tax/) - [37000 After Tax Scotland](https://whatsuk.com/salary/37000-after-tax-scotland/) - [38000 After Tax](https://whatsuk.com/salary/38000-after-tax/) - [38000 After Tax Scotland](https://whatsuk.com/salary/38000-after-tax-scotland/) - [39000 After Tax](https://whatsuk.com/salary/39000-after-tax/) - [39000 After Tax Scotland](https://whatsuk.com/salary/39000-after-tax-scotland/) - [40000 After Tax](https://whatsuk.com/salary/40000-after-tax/) - [40000 After Tax Scotland](https://whatsuk.com/salary/40000-after-tax-scotland/) - [41000 After Tax](https://whatsuk.com/salary/41000-after-tax/) - [41000 After Tax Scotland](https://whatsuk.com/salary/41000-after-tax-scotland/) - [42000 After Tax](https://whatsuk.com/salary/42000-after-tax/) - [42000 After Tax Scotland](https://whatsuk.com/salary/42000-after-tax-scotland/) - [43000 After Tax](https://whatsuk.com/salary/43000-after-tax/) - [43000 After Tax Scotland](https://whatsuk.com/salary/43000-after-tax-scotland/) - [44000 After Tax](https://whatsuk.com/salary/44000-after-tax/) - [44000 After Tax Scotland](https://whatsuk.com/salary/44000-after-tax-scotland/) - [45000 After Tax](https://whatsuk.com/salary/45000-after-tax/) - [45000 After Tax Scotland](https://whatsuk.com/salary/45000-after-tax-scotland/) - [46000 After Tax](https://whatsuk.com/salary/46000-after-tax/) - [46000 After Tax Scotland](https://whatsuk.com/salary/46000-after-tax-scotland/) - [47000 After Tax](https://whatsuk.com/salary/47000-after-tax/) - [47000 After Tax Scotland](https://whatsuk.com/salary/47000-after-tax-scotland/) - [48000 After Tax](https://whatsuk.com/salary/48000-after-tax/) - [48000 After Tax Scotland](https://whatsuk.com/salary/48000-after-tax-scotland/) - [49000 After Tax](https://whatsuk.com/salary/49000-after-tax/) - [49000 After Tax Scotland](https://whatsuk.com/salary/49000-after-tax-scotland/) - [50000 After Tax](https://whatsuk.com/salary/50000-after-tax/) - [50000 After Tax Scotland](https://whatsuk.com/salary/50000-after-tax-scotland/) - [52000 After Tax](https://whatsuk.com/salary/52000-after-tax/) - [52000 After Tax Scotland](https://whatsuk.com/salary/52000-after-tax-scotland/) - [55000 After Tax](https://whatsuk.com/salary/55000-after-tax/) - [55000 After Tax Scotland](https://whatsuk.com/salary/55000-after-tax-scotland/) - [60000 After Tax](https://whatsuk.com/salary/60000-after-tax/) - [60000 After Tax Scotland](https://whatsuk.com/salary/60000-after-tax-scotland/) - [65000 After Tax](https://whatsuk.com/salary/65000-after-tax/) - [65000 After Tax Scotland](https://whatsuk.com/salary/65000-after-tax-scotland/) - [70000 After Tax](https://whatsuk.com/salary/70000-after-tax/) - [70000 After Tax Scotland](https://whatsuk.com/salary/70000-after-tax-scotland/) - [75000 After Tax](https://whatsuk.com/salary/75000-after-tax/) - [75000 After Tax Scotland](https://whatsuk.com/salary/75000-after-tax-scotland/) - [80000 After Tax](https://whatsuk.com/salary/80000-after-tax/) - [80000 After Tax Scotland](https://whatsuk.com/salary/80000-after-tax-scotland/) - [85000 After Tax](https://whatsuk.com/salary/85000-after-tax/) - [85000 After Tax Scotland](https://whatsuk.com/salary/85000-after-tax-scotland/) - [90000 After Tax](https://whatsuk.com/salary/90000-after-tax/) - [90000 After Tax Scotland](https://whatsuk.com/salary/90000-after-tax-scotland/) - [95000 After Tax](https://whatsuk.com/salary/95000-after-tax/) - [95000 After Tax Scotland](https://whatsuk.com/salary/95000-after-tax-scotland/) - [After Tax](https://whatsuk.com/salary/after-tax/) - [After Tax Scotland](https://whatsuk.com/salary/after-tax-scotland/) - [Bonus Tax Calculator](https://whatsuk.com/salary/bonus-tax-calculator/) - [Employer Ni Calculator](https://whatsuk.com/salary/employer-ni-calculator/) - [Hourly To Annual Salary](https://whatsuk.com/salary/hourly-to-annual-salary/) - [Overtime Calculator](https://whatsuk.com/salary/overtime-calculator/) - [Pro Rata Calculator](https://whatsuk.com/salary/pro-rata-calculator/) - [Salary Calculator](https://whatsuk.com/salary/salary-calculator/) - [Salary Sacrifice Calculator](https://whatsuk.com/salary/salary-sacrifice-calculator/) - [Tax](https://whatsuk.com/tax/) - [Capital Gains Tax Calculator](https://whatsuk.com/tax/capital-gains-tax-calculator/) - [Cis Tax Calculator](https://whatsuk.com/tax/cis-tax-calculator/) - [Company Car Tax Calculator](https://whatsuk.com/tax/company-car-tax-calculator/) - [Corporation Tax Calculator](https://whatsuk.com/tax/corporation-tax-calculator/) - [Council Tax Calculator](https://whatsuk.com/tax/council-tax-calculator/) - [Dividend Tax Calculator](https://whatsuk.com/tax/dividend-tax-calculator/) - [High Income Child Benefit Calculator](https://whatsuk.com/tax/high-income-child-benefit-calculator/) - [Income Tax Calculator](https://whatsuk.com/tax/income-tax-calculator/) - [Inheritance Tax Calculator](https://whatsuk.com/tax/inheritance-tax-calculator/) - [Marriage Allowance Calculator](https://whatsuk.com/tax/marriage-allowance-calculator/) - [National Insurance Calculator](https://whatsuk.com/tax/national-insurance-calculator/) - [Second Job Tax Calculator](https://whatsuk.com/tax/second-job-tax-calculator/) - [Self Assessment Calculator](https://whatsuk.com/tax/self-assessment-calculator/) - [Vat Calculator](https://whatsuk.com/tax/vat-calculator/) - [Tools](https://whatsuk.com/tools/) - [Bmi Calculator](https://whatsuk.com/tools/bmi-calculator/) - [Car Finance Claim Calculator](https://whatsuk.com/tools/car-finance-claim-calculator/) - [Child Maintenance Calculator](https://whatsuk.com/tools/child-maintenance-calculator/) - [Energy Cost Calculator](https://whatsuk.com/tools/energy-cost-calculator/) - [Holiday Entitlement Calculator](https://whatsuk.com/tools/holiday-entitlement-calculator/) - [Pension Calculator](https://whatsuk.com/tools/pension-calculator/) - [Redundancy Pay Calculator](https://whatsuk.com/tools/redundancy-pay-calculator/) - [Solar Panel Roi Calculator](https://whatsuk.com/tools/solar-panel-roi-calculator/) ## Guides - [Agenda for Change: NHS Pay Bands Explained](https://whatsuk.com/blog/agenda-for-change-explained/) - Agenda for Change explained: the nine NHS pay bands, how pay progression works, High Cost Area Supplements, unsocial hou... - [Are Solar Panels Worth It in the UK? 2026 Guide](https://whatsuk.com/blog/solar-panels-worth-it-uk/) - Solar panel costs, payback periods, the Smart Export Guarantee, battery storage, and VAT: everything you need to decide ... - [Average UK Salary 2026/27: Complete Breakdown by Age, Region, and Industry](https://whatsuk.com/blog/average-uk-salary/) - The median UK salary in 2025 is approximately £31,000. Full ONS breakdown by age group, region, industry - plus salary g... - [Break-Even Analysis for UK Small Businesses: How to Know If Your Idea Will Work](https://whatsuk.com/blog/break-even-analysis-uk/) - UK break-even analysis. Divide fixed costs by contribution per unit: £20,000 and £20 per unit breaks even at 1,000 units... - [Bridging Loans UK: How They Work in 2026](https://whatsuk.com/blog/bridging-loans-uk/) - How bridging loans work in the UK: open and closed bridges, first and second charge, monthly interest, gross versus net ... - [Buy-to-Let Tax Changes 2026/27: What Every Landlord Must Know](https://whatsuk.com/blog/buy-to-let-tax-changes/) - Buy-to-let taxes have changed significantly. Section 24, the 5% stamp duty surcharge, capital gains at 18%/24%, and the ... - [Capital Gains Tax on Property and Shares in the UK (2026/27 Complete Guide)](https://whatsuk.com/blog/capital-gains-tax-uk/) - UK capital gains tax rates for 2026/27 explained. Residential property at 18%/24%, other assets at 18%/24%. Annual exemp... - [Car Finance Claims: What You Need to Know](https://whatsuk.com/blog/car-finance-claim-uk/) - Car finance commission claims explained: what the FCA review covers, who may be affected, how to complain for free, and ... - [Car Finance Explained: PCP vs HP 2026](https://whatsuk.com/blog/car-finance-pcp-uk/) - PCP versus HP car finance explained for UK buyers: how each works, balloon payments, mileage limits, ownership, and how ... - [Cash ISA vs Stocks and Shares ISA: Which Suits You in 2026/27?](https://whatsuk.com/blog/cash-vs-stocks-shares-isa/) - Cash ISA or Stocks and Shares ISA. Compare risk, returns, access, and who each suits in 2026/27, and how to split your £... - [Child Benefit UK 2026/27: Rates, Eligibility and the High Earner Charge](https://whatsuk.com/blog/child-benefit-uk/) - Child Benefit is £27.05 a week for your first child and £17.90 for each other child in 2026/27. See who can claim, how t... - [CIS Tax for Subcontractors: How Deductions Work and How to Claim Your Money Back (2026/27)](https://whatsuk.com/blog/cis-deductions-explained/) - The Construction Industry Scheme (CIS) deducts 20% or 30% from subcontractor payments. This guide explains how to regist... - [Company Car Tax Explained](https://whatsuk.com/blog/company-car-tax-uk/) - How company car tax works in 2026/27: benefit-in-kind bands, how the tax is calculated, why electric cars are cheaper, f... - [Compound Interest Explained: How Your Money Grows Without You Doing Anything](https://whatsuk.com/blog/compound-interest-explained/) - Compound interest earns interest on interest. £10,000 at 5% becomes £43,219 after 30 years. Full guide with growth table... - [Compound Interest: How to Build Long-Term Wealth in the UK](https://whatsuk.com/blog/compound-interest-build-wealth-uk/) - How compound interest works, the Rule of 72, why starting early matters so much, and how ISAs supercharge tax-free compo... - [Corporation Tax Rates 2026/27: The Complete Guide to Marginal Relief and Small Profits](https://whatsuk.com/blog/corporation-tax-rates-uk/) - UK corporation tax 2026/27: 19% on profits up to £50,000, 25% above £250,000, with marginal relief between. Guide for li... - [Council Tax Explained](https://whatsuk.com/blog/council-tax-uk/) - How council tax works in 2026/27: the valuation bands, who has to pay, the single person discount, exemptions, and what ... - [Credit Card Minimum Payments: The True Cost](https://whatsuk.com/blog/credit-card-minimum-payments/) - Paying only the minimum on a £2,000 balance at 26% takes over 25 years and costs around £3,670 in interest. Why minimum ... - [Dividend Tax Rates 2026/27: What Limited Company Directors Need to Know Before April 2026](https://whatsuk.com/blog/dividend-tax-rates-uk/) - Dividend tax rates for 2026/27 and the April 2026 increase. The £500 allowance, optimal salary/dividend split, and how t... - [Employer National Insurance 2026/27: What the April Changes Mean for Your Business](https://whatsuk.com/blog/employer-national-insurance-uk/) - UK employer NI 2026/27: 15% rate and £5,000 threshold from April 2026. Cost per employee, Employment Allowance (£10,500)... - [First Time Buyer Guide UK 2026: Steps and Help](https://whatsuk.com/blog/first-time-buyer-guide-uk/) - A first time buyer guide for 2026: Stamp Duty relief up to £300,000, the Lifetime ISA bonus, deposits, schemes, and the ... - [Household Budget UK: The 50/30/20 Method](https://whatsuk.com/blog/budgeting-guide-uk/) - How to build a household budget in the UK: work out take-home pay, list costs, use the 50/30/20 method, build an emergen... - [How Is a Second Job Taxed in the UK? BR Codes, NI and Take Home (2026/27)](https://whatsuk.com/blog/second-job-tax-uk/) - How a second job is taxed in 2026/27. Why it often uses a BR tax code, how National Insurance works across two jobs, and... - [How Is Child Maintenance Calculated in the UK? 2026/27 CMS Rates](https://whatsuk.com/blog/child-maintenance-calculation/) - Complete guide to Child Maintenance Service (CMS) calculations in 2026/27: income bands, shared care reductions, flat ra... - [How Is Overtime Taxed in the UK? The Real Reason Your Overtime Pay Looks Low (2026/27)](https://whatsuk.com/blog/overtime-tax-uk/) - UK overtime tax 2026/27: taxed through PAYE at your marginal rate, not a special higher rate. Why overtime looks heavily... - [How Mortgage Overpayments Save You Thousands: A Complete Guide](https://whatsuk.com/blog/mortgage-overpayment-guide/) - On a £200,000 mortgage at 4.5%, overpaying £200 a month saves £36,280 and clears it around six years early. Full guide t... - [How Much of Your Bonus Do You Actually Keep? UK Bonus Tax Guide (2026/27)](https://whatsuk.com/blog/bonus-tax-uk/) - UK bonus tax 2026/27: bonuses are taxed through PAYE at your marginal rate, not a flat 40%. How much you keep and worked... - [How to Build an Emergency Fund in the UK: How Much, Where to Keep It, and When to Use It](https://whatsuk.com/blog/emergency-fund-uk/) - An emergency fund of 3 to 6 months of expenses protects you from financial shocks. This UK guide covers the target amoun... - [How to Calculate Your Take-Home Pay in 2026/27](https://whatsuk.com/blog/how-to-calculate-take-home-pay-uk/) - A complete guide to understanding income tax, National Insurance, pension contributions, and student loan deductions. Us... - [How to Claim Your NHS Pension](https://whatsuk.com/blog/claiming-nhs-pension-uk/) - How to claim your NHS pension step by step: when to apply, the AW8 retirement form, what you need, how long it takes, an... - [How to Understand Your UK Payslip (2026/27 Complete Guide)](https://whatsuk.com/blog/how-to-read-your-payslip-uk/) - UK payslip guide 2026/27: every line explained: gross pay, tax code, income tax, NI, pension, student loan and net pay u... - [Inheritance Tax 2026/27: Thresholds, Exemptions, and What the Pension Change Means](https://whatsuk.com/blog/inheritance-tax-uk/) - UK inheritance tax guide for 2026/27. The £325,000 nil rate band, £175,000 residence nil rate band, 40% rate, gifting ru... - [Inside vs Outside IR35 for UK Contractors: Take-Home Pay and Status Decisions (2026/27)](https://whatsuk.com/blog/ir35-inside-outside-contractors-guide/) - A contractor-focused guide to inside vs outside IR35: take-home pay difference, who decides status, the SDS process and ... - [IR35 Explained: Inside vs Outside and What It Means for Your Take-Home Pay](https://whatsuk.com/blog/ir35-explained/) - IR35 explained simply: inside IR35 costs 15 to 25% more in tax. The three tests, real take-home comparison at £400 to £6... - [ISA Guide UK 2026/27: Allowance, Types and Rules Explained](https://whatsuk.com/blog/isa-guide-uk/) - Your ISA allowance is £20,000 for 2026/27. Compare the four ISA types, the rules on paying into more than one, transfers... - [Limited Company vs Sole Trader: Which Is Right for Your Business in 2026/27?](https://whatsuk.com/blog/limited-company-vs-sole-trader/) - Limited company vs sole trader 2026/27. See who keeps more at each profit level, from £1,065 more at £30,000 to £4,102 m... - [LTV Ratio: How Loan-to-Value Affects Your Mortgage Rate](https://whatsuk.com/blog/ltv-explained/) - Understand how your loan-to-value ratio determines your mortgage rate band, with LTV tier tables, calculation examples, ... - [Marriage Allowance Explained](https://whatsuk.com/blog/marriage-allowance-uk/) - How Marriage Allowance works in 2026/27: who can claim, how much tax you save, how to apply for free, and how to backdat... - [Minimum Wage UK: National Living Wage Rates and Pay Checker (2026/27)](https://whatsuk.com/blog/minimum-wage-uk/) - UK minimum wage rates from 1 April 2026. The National Living Wage for those 21 and over is £12.71 an hour. See every age... - [Mortgage Affordability in the UK: How Much Can You Borrow in 2026/27?](https://whatsuk.com/blog/mortgage-affordability-uk/) - How much can you borrow on a UK mortgage in 2026/27? Income multiples, stress tests, and what lenders really look at. Wo... - [National Insurance Rates and Thresholds 2026/27: Employee, Employer, and Self-Employed](https://whatsuk.com/blog/national-insurance-rates-uk/) - UK National Insurance rates 2026/27: Class 1 employee 8%/2%, employer 15%, Class 2 and Class 4 for self-employed. Thresh... - [NHS Pension Contributions Explained](https://whatsuk.com/blog/nhs-pension-contributions-uk/) - How much you pay into the NHS pension in 2025/26: the contribution tiers, why part-time pay matters, tax relief, what yo... - [NHS Pension Schemes: 1995, 2008 and 2015 Explained](https://whatsuk.com/blog/nhs-pension-schemes-explained/) - The difference between the 1995, 2008, and 2015 NHS pension sections, how final salary compares to career average, and w... - [Pension Auto-Enrolment Explained: How to Get the Most From Your Workplace Pension (2026/27)](https://whatsuk.com/blog/pension-auto-enrolment-guide/) - Auto-enrolment requires your employer to enrol you in a pension and contribute at least 3%. This guide explains qualifyi... - [Pension Tax Relief UK 2026/27: How It Works and How Much You Can Save](https://whatsuk.com/blog/pension-tax-relief-uk/) - How pension tax relief works in 2026/27: the £60,000 annual allowance, claiming higher rate relief, the taper for high e... - [Personal Loans UK: How They Work in 2026](https://whatsuk.com/blog/personal-loans-uk/) - How personal loans work in the UK: secured and unsecured borrowing, representative APR, eligibility, credit checks, earl... - [Pro-Rata Salary Explained: How Part-Time and Mid-Year Pay Is Calculated (2026/27)](https://whatsuk.com/blog/pro-rata-salary-explained/) - UK pro-rata salary 2026/27: how part-time, term-time and mid-year pay is calculated. Holiday entitlement, worked example... - [Profit Margin Guide: What Is a Good Margin for UK Small Businesses in 2026?](https://whatsuk.com/blog/profit-margin-benchmarks-uk/) - What is a good profit margin for a UK small business? Industry benchmarks, gross vs net margin explained, and why net ma... - [Remortgage Guide UK 2026: How and When to Switch](https://whatsuk.com/blog/remortgage-guide-uk/) - How remortgaging works in the UK: when to switch before your fixed deal ends, the step by step process, costs to watch, ... - [Rental Yield UK: What Is a Good Yield and How to Calculate It (2026/27)](https://whatsuk.com/blog/rental-yield-explained/) - What is a good rental yield in the UK? This guide explains gross vs net yield, how to calculate both, regional yield com... - [Salary Sacrifice Explained: How to Pay Less Tax Through Your Employer (2026/27)](https://whatsuk.com/blog/salary-sacrifice-explained/) - UK salary sacrifice 2026/27: give up salary for pension or benefits and save income tax and NI. How it works, what you c... - [Salary vs Dividends 2026/27: Tax Efficient Pay for Directors](https://whatsuk.com/blog/salary-vs-dividend-uk/) - How company directors split salary and dividends to pay less tax in 2026/27. The dividend rates, the £500 allowance, emp... - [Scottish Income Tax 2026/27: Rates, Bands and How It Differs](https://whatsuk.com/blog/scottish-income-tax-uk/) - The Scottish income tax bands for 2026/27, from the 19 percent starter rate to the 48 percent top rate. See what you pay... - [Self Assessment Tax Return UK: Who Must File, Deadlines, and How to Reduce Your Bill (2026/27)](https://whatsuk.com/blog/self-assessment-guide-uk/) - Self assessment deadlines for the 2026/27 return, who must file, and how payment on account works. Full UK guide includi... - [Self-Employed Expenses UK 2026/27: What You Can Claim](https://whatsuk.com/blog/self-employed-expenses-uk/) - What self-employed people can claim in 2026/27: allowable business costs, the trading allowance, simplified mileage and ... - [Sole Trader Tax UK 2026/27: Income Tax, NI and Self Assessment](https://whatsuk.com/blog/sole-trader-tax-uk/) - How sole traders are taxed in 2026/27: Income Tax on profits, Class 4 NI, the trading allowance, registration, Self Asse... - [Stamp Duty Rates 2026/27: SDLT Bands, Reliefs and What You Pay Now](https://whatsuk.com/blog/stamp-duty-rates-uk/) - Stamp duty (SDLT) rates for 2026/27 in England and Northern Ireland. Standard, first-time buyer and additional-property ... - [State Pension UK 2026/27: How Much You Get and When You Can Claim](https://whatsuk.com/blog/state-pension-uk/) - The full new State Pension is £241.30 a week (£12,547.60 a year) for 2026/27. See the amount, State Pension age, and how... - [Statutory Redundancy Pay 2026/27: How Much Are You Entitled To?](https://whatsuk.com/blog/statutory-redundancy-pay-uk/) - Statutory redundancy pay 2026/27: £751 weekly cap, £22,530 maximum for redundancies on or after 6 April 2026. Age bands,... - [Student Loan Repayment in the UK: Plans 1, 2, 4 and 5 Fully Explained (2026/27)](https://whatsuk.com/blog/student-loan-repayment-explained/) - UK student loan repayment 2026/27 for Plans 1, 2, 4, 5 and Postgrad. Income thresholds, 9% rates, write-off periods and ... - [Taking Your NHS Pension](https://whatsuk.com/blog/taking-your-nhs-pension-uk/) - When and how to take your NHS pension: your normal pension age, taking it early or late, partial retirement, the tax-fre... - [Tax Free Pension Lump Sum UK 2026/27: Rules, Allowance and Age Limits](https://whatsuk.com/blog/tax-free-lump-sum-uk/) - You can usually take 25% of your pension tax free, capped by the lump sum allowance of £268,275. See how the tax free ca... - [Tax on Savings Interest UK 2026/27: Personal Savings Allowance Explained](https://whatsuk.com/blog/tax-on-savings-interest-uk/) - How savings interest is taxed in 2026/27. The Personal Savings Allowance is £1,000 for basic rate and £500 for higher ra... - [The 60% Tax Trap UK 2026/27: Personal Allowance Taper Explained](https://whatsuk.com/blog/60-percent-tax-trap-uk/) - Earn between £100,000 and £125,140 and you lose your Personal Allowance, creating a 60 percent effective tax rate. See h... - [The NHS Pension Lump Sum Explained](https://whatsuk.com/blog/nhs-pension-lump-sum-uk/) - How the NHS pension lump sum works: the automatic 1995 section lump sum, commuting pension at £12 for every £1 given up,... - [The NHS Pension Scheme Explained](https://whatsuk.com/blog/nhs-pension-scheme-uk/) - How the NHS Pension Scheme works in 2026: the 2015 CARE scheme, contribution tiers, what your employer pays, retirement ... - [UK Energy Price Cap Explained: 2026 Rates and What It Means for Your Bill](https://whatsuk.com/blog/energy-price-cap-explained/) - How the Ofgem energy price cap works, current 2026 unit rates, who it applies to, and how to calculate and reduce your e... - [UK Income Tax Bands and Rates Explained (2026/27)](https://whatsuk.com/blog/income-tax-bands-uk/) - Complete guide to UK income tax bands for 2026/27. Personal allowance, basic rate, higher rate, additional rate, the 60%... - [UK Inflation: How Rising Prices Are Eroding Your Savings](https://whatsuk.com/blog/inflation-savings-real-return/) - With inflation around 3 percent in 2026, see how to calculate real returns on cash savings, which accounts beat inflatio... - [UK Net Worth by Age 2026: Are You on Track?](https://whatsuk.com/blog/uk-net-worth-by-age/) - ONS data on UK median net worth by age group, salary-based milestones, the homeowner wealth gap, and the highest-impact ... - [UK Tax Codes Explained: 1257L, BR, K and Emergency Codes (2026/27)](https://whatsuk.com/blog/tax-codes-explained-uk/) - What your UK tax code means in 2026/27. 1257L, BR, D0, 0T, K, and emergency codes explained, plus how to check your code... - [UK VAT Rates 2026/27: Standard, Reduced, and Zero-Rated Items Guide](https://whatsuk.com/blog/vat-rates-uk/) - UK VAT rates 2026/27: standard 20 percent, reduced 5 percent, zero 0 percent. Full tables plus the £90,000 registration ... - [VAT Explained: A Complete Guide for UK Small Businesses 2026](https://whatsuk.com/blog/vat-guide-uk-small-businesses/) - Everything UK small businesses need to know about VAT: registration threshold, rates, adding and removing VAT, and the f... - [VAT Registration in the UK: When You Must Register and What It Costs (2026/27)](https://whatsuk.com/blog/vat-registration-guide-uk/) - UK VAT registration threshold 2026/27 is £90,000. When you must register, flat rate scheme, how to register and the impa... ## Trust and methodology - [About WhatsUK](https://whatsuk.com/about/) - [James Hartley, author](https://whatsuk.com/author/james-hartley/) - [Contact](https://whatsuk.com/contact/) - [Data sources](https://whatsuk.com/data-sources/) - [Editorial guidelines](https://whatsuk.com/editorial-guidelines/) - [Methodology](https://whatsuk.com/methodology/) - [Updates log](https://whatsuk.com/updates/)