Guides United Kingdom
Explainers focused on United Kingdom personal finance — taxes, mortgages, pensions, savings, and more.
Carry forward lets you contribute more than the £60,000 annual pension allowance in a single tax year by using unused allowance from the previous three years. Here's exactly how it works in 2026/27, who qualifies, and how the tapered allowance changes the maths.
UK Capital Gains Tax on share disposals in 2026/27 — the £3,000 annual exempt amount, the 18% / 24% rates, Section 104 pooling, the 30-day bed-and-breakfasting rule, and how to compute the tax with a worked example.
How HMRC collects income tax through PAYE in 2026: the £12,570 personal allowance, the 20/40/45% bands, tax codes, and how to read your payslip.
How UK National Insurance works in 2026/27: Class 1 employee and employer rates, Class 2 and Class 4 for the self-employed, and the thresholds that drive each.
Stamp Duty Land Tax bands in England and Northern Ireland for 2026, the first-time buyer relief up to £500,000, and the 5% surcharge on additional dwellings.
How to tell which UK student loan plan you're on, the 2026/27 repayment thresholds and rates for each, and how repayments are collected through PAYE.
What every UK tax code means in 2026: how to decode 1257L, BR, D0, K, NT, S, C and W1/M1, plus how to spot and fix an incorrect code.
United Kingdom