If you earn between £100,000 and £125,140, you're handing HMRC about 60p of every additional pound. Here's exactly how it works, why it exists, and four legitimate strategies to reduce your exposure — with a worked example and three original data charts.
1257L, BR, K, D0, 0T, NT — plain English on what every number and letter on your payslip tells your employer. Includes a visual reference card for all 12 common codes, a Scotland vs UK comparison chart, and how to fix a wrong code in 10 minutes.
Which plan are you on? How much do you repay? When does it get written off? Clear answers with current thresholds and a comparison of all five plans for 2026/27.
If your partner earns under £12,570, they can transfer part of their unused allowance to you — saving up to £252 in tax per year. Guide covers eligibility, how to claim, and backdating.
Salary sacrifice pension contributions avoid Income Tax and National Insurance. This guide covers how it works, who benefits most, how to set it up, and the hidden catch you should know about.
Most people never check their payslip closely — and some have been losing money for years because of it. A practical walk-through of every line on a UK payslip and what to look for.
See the exact take-home pay, Income Tax, and National Insurance for common UK salaries in 2026/27.