Guides
Plain-English explanations of UK tax rules — written for people, not accountants. Each guide includes worked examples and is updated when HMRC publishes new rates. See our editorial policy.
Understanding Your Payslip
A line-by-line walkthrough of every figure on a UK payslip — gross pay, income tax, National Insurance, pension, student loan and more.
Tax Codes Explained
What every letter and number in your HMRC tax code means, why it might be wrong, and how to get it corrected.
Student Loan Repayments Guide
How student loan repayments work through PAYE — which plan you are on, the repayment thresholds, when it gets written off, and how it interacts with your tax.
Pension Contributions and Tax Relief
How workplace and personal pensions save you tax, the difference between salary sacrifice and relief at source, annual allowances and carry forward.
Second Job Tax — Complete Guide
How PAYE works when you have two jobs, which tax codes to expect, National Insurance on two employments, and how to avoid overpaying or underpaying.
UK Tax Year Changes 2026/27
What changed in the 2026/27 tax year: personal allowance, income tax bands, National Insurance rates, student loan thresholds and the Scottish budget.
National Insurance — Complete Employee Guide
How National Insurance works for employees: categories, thresholds, rates, what it pays for and how it counts towards your State Pension.
Salary Sacrifice and Pensions — Everything You Need to Know
How salary sacrifice pension schemes work, how much they save in tax and NI, how they compare to relief at source, and the drawbacks to watch out for.
How to Claim a PAYE Tax Refund
Step-by-step guide to reclaiming overpaid PAYE from HMRC — through your employer, via P800, or through your Personal Tax Account — with a worked example.
HMRC Tax Codes — Master Reference Guide
A complete reference to every HMRC tax code — what each letter and number means, when each code is used, and what to do if yours looks wrong.