Tax guides
Clear, practical guides to UK tax, pay and personal finance — each one links to the calculators that do the maths for you.
Debt-to-Income Ratio Explained: What's a Good DTI in the UK?
Your debt to income ratio is a quick way to gauge whether your borrowing is comfortable or stretched. This plain-English guide explains how to calculate DTI, front-end vs back-end, and what counts as a good ratio in the UK.
Laura Michelle Davis · 25 May 2026
Credit Utilisation Explained: The 30% Rule and Your Credit Score
A plain-English guide to what credit utilisation is, how the maths works, why the 30% rule matters for your credit score, and simple, practical ways to lower your credit usage in the UK.
Laura Michelle Davis · 25 May 2026
UK Mortgage Rates 2026: What to Expect and How to Compare
A plain-English guide to mortgage rates in the UK: what drives them, fixed vs tracker deals, a worked example of monthly costs, and practical ways to secure a better rate when buying or remortgaging.
Laura Michelle Davis · 22 May 2026
Tax on Savings Interest: The Personal Savings Allowance Explained (2026/27)
Worried about tax on savings? Most people pay nothing thanks to the Personal Savings Allowance. Here's how the allowance, the starting rate for savings and ISAs fit together for 2026/27 - with a clear worked example.
Laura Michelle Davis · 21 May 2026
Tax on Rental Income: A Landlord's Guide (2026/27)
A plain-English guide to tax on rental income for UK landlords in 2026/27: how rental profit is taxed, the property allowance, allowable expenses, the Section 24 mortgage interest rules, and a full worked example.
Laura Michelle Davis · 20 May 2026
Should You Overpay Your Mortgage? The Pros, Cons and Maths
A mortgage overpayment can save you thousands in interest and shave years off your term, but it is not always the smartest move. Here is the maths, the trade-offs and when to think twice.
Laura Michelle Davis · 19 May 2026
Premium Bonds Explained: Odds, Prizes and Is It Worth It?
Premium Bonds swap interest for a monthly tax-free prize draw, backed by HM Treasury. We explain how they work, the real odds, the prize fund rate and who they actually suit.
Laura Michelle Davis · 18 May 2026
PIP Explained: Eligibility, Rates and How to Claim (2026)
A clear, compassionate guide to Personal Independence Payment (PIP): what it is, who qualifies, how the points-based assessment works, how to claim step by step, and what to do if your claim is refused.
Laura Michelle Davis · 15 May 2026
Personal Loans and APR Explained: How to Compare the Real Cost
Confused by personal loan APR? This plain-English guide explains what APR really means, how representative APR works, why the loan term changes the total cost, and how to compare two loans fairly before you borrow.
Laura Michelle Davis · 15 May 2026All guides
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News
17- £1.6 Billion in Child Trust Fund Unclaimed Savings: How to Find Yours
- Capital Gains Tax 2026/27: £3,000 Allowance and 18%/24% Rates
- Claiming Tax Relief on Work Expenses: HMRC's Updated P87 Rules
- Dividend Tax Rise 2026/27: New 10.75% and 35.75% Rates Explained
- Frozen Tax Thresholds to 2031: The Stealth Tax Explained
- Government Launches Consultation on New First Time Buyer ISA
- High Income Child Benefit Charge 2026: The £60,000–£80,000 Trap
- HMRC Mileage Rate Rises to 55p a Mile, Backdated to 6 April 2026
- HMRC Wage Raid Payroll Checks 2026: Who Gets Visited and Why
- ISA Allowance 2026/27: £20,000 Tax-Free and How to Use It
- Kids Meals Tax Cut 2026: VAT Slashed to 5% on Children's Meals and Days Out
- Marriage Allowance 2026: Claim Up to £252 (and Backdate It)
- MTD Sign-Up Service Down 10 to 13 July: Act Before the 7 August Deadline
- National Insurance 2026/27: Employee and Self-Employed Rates
- Stamp Duty 2026: What You Pay and First-Time Buyer Relief
- Tax on Savings Interest 2026/27: The Personal Savings Allowance
- Why More Pensioners Are Getting Surprise Tax Bills in 2026
Credit Cards
5Taxes
18- Autumn Budget 2026: Predictions, Likely Tax Rises and What to Expect
- Capital Gains Tax rates 2026/27: allowance, rates and how to cut your bill
- Dividend Tax 2026/27: Allowance, Rates and How Much You'll Pay
- Dividend Tax Rise 2026: New 10.75% and 35.75% Rates Explained
- Government backs high street with acceleration of cheap import reforms and crackdown on dodgy online sellers
- How to Legally Reduce Your Income Tax in the UK (2026/27)
- Inheritance Tax When the Second Parent Dies: The £1m Rule
- National Insurance Rates 2026/27: How Much You Pay and Why
- Scottish Income Tax vs England: How Much More (or Less) You Pay in 2026/27
- Stealth Tax: Frozen Tax Thresholds to 2031 and Fiscal Drag Explained
- Tax Code 1257L: What It Means and Why You Have It (2026/27)
- Tax Code BR: Why You Have It and What It Costs You
- Tax Gap 2024-25 estimated at 6.4%
- The 60% Tax Trap Explained: How High Earners Lose Their Personal Allowance (and How to Avoid It) - 2026/27
- The Personal Allowance Explained: How the £12,570 Tax-Free Amount Works (2026/27)
- UK Income Tax Rates and Bands 2026/27: A Plain-English Guide
- UK Tax Codes Explained: What Yours Means (2026/27)
- What Is a P45? Every Part Explained and What to Do With It
Benefits
4Savings & ISAs
10- Born 2002-2011? You Could Have £2,000+ in Forgotten Cash
- Cash ISA Limit Cut to £12,000 from April 2027: What It Means for You
- HMRC Is Fining Lifetime ISA Savers: The 25% Withdrawal Trap
- How Many ISAs Can You Have? The 2026/27 Rules Made Simple
- ISA Allowance 2026/27: How to Use Your £20,000 Tax-Free Limit
- ISA Changes 2026/27: Cash ISA Cut, 22% Charge and Transfer Ban
- Lifetime ISA Explained: The 25% Bonus, Rules and Is It Worth It?
- Premium Bonds Explained: Odds, Prizes and Is It Worth It?
- Premium Bonds vs Savings 2026: Which Wins After Tax?
- Tax on Savings Interest: The Personal Savings Allowance Explained (2026/27)
Insurance
1Personal Finance
4Property
4Loans
3Business Finance
9- Director's Loans Explained: S455 Tax and the £10,000 Rule
- Employment Allowance 2026/27: Cut £10,500 Off Employer NI
- How to Pay Corporation Tax: Deadline, Reference and Methods
- Making Tax Digital for Income Tax: The Complete 2026 Guide
- PAYE vs Self-Employed: Which Leaves You Better Off?
- Payrolling Benefits in Kind: What Changes from April 2027
- Salary vs Dividends: How Should a Director Pay Themselves in 2026/27?
- Self Assessment Tax Returns 2026: Deadlines, Penalties and How to File
- Self-Employed Tax: A Beginner's Guide (2026/27)
Tax Guides
3Pensions
8- How Pensions Work in the UK: A Complete Beginner's Guide
- Is the Pension Tax-Free Lump Sum Being Scrapped? The Facts
- Pension Drawdown Explained: Income, Tax and Risks (2026/27)
- Pension Salary Sacrifice: How It Works and How Much You Save
- Pension Tax Relief Explained: How to Get Up to 45% Back (2026/27)
- Pension Tax-Free Lump Sum: How the 25% Rule Works (2026/27)
- State Pension Top-Up: Is Buying Back Missing National Insurance Years Worth It? (2026)
- Why Pensioners Are Getting Surprise HMRC Tax Bills in 2026
Investing
3Mortgages
4Tax, explained without the jargon
UK tax has a reputation for being complicated, and the official guidance isn't always easy to follow. Our guides aim to fix that. Each one takes a single topic — how income tax bands work, what you can claim as a self-employed person, how stamp duty is calculated — and explains it in plain English, with worked examples and links to the calculators that do the maths for you.
The guides are written and reviewed by the TaxFly editorial team and updated when the rules change, so you're reading about the system as it works now, not several years ago. Wherever a guide mentions a figure you can apply to your own situation, you'll find a matching tool: pair our take-home pay guidance with the Take-Home Pay Calculator, or read up on dividends and then try the Dividend Tax Calculator.
Where to start
If you're employed, begin with the basics of income tax and National Insurance. If you work for yourself, the self-employment and Self Assessment guides will save you the most time. Buying or selling property? Start with stamp duty and capital gains. And if you just want the numbers, head straight to our full library of free UK calculators. Everything here is free to read, with no account required.
TaxFly guides are general information, not personal financial or tax advice. For decisions about your own circumstances, speak to a qualified accountant or adviser.
