Guides

Deeper explainers that go beyond the calculators. Every guide cites its sources.

• IR35 Explained — Inside vs Outside, Off-Payroll Rules, and Take-home Impact (2026/27)

  UK contractor's guide to IR35 — the status tests, April 2021 off-payroll reforms, inside vs outside numbers, and how the 2024 NI + Corporation Tax changes reshaped the economics.

• UK Pension Auto-Enrolment Explained — Rules, Contribution Rates, and When to Opt Out

  Complete guide to UK workplace pension auto-enrolment — who's enrolled, 5% / 3% minimum contributions, salary sacrifice vs relief-at-source, higher-rate relief, and when opting out makes sense.

• Scottish Income Tax Explained — The Six-Band System for 2026/27

  Full guide to Scottish Income Tax — the six bands (Starter, Basic, Intermediate, Higher, Advanced, Top), how they differ from the rest of the UK, and worked examples at every salary level.

• UK Student Loan Plans Explained — Plans 1, 2, 4, 5, and Postgraduate

  Which UK student loan plan are you on? Complete guide to Plan 1, Plan 2, Plan 4 (Scotland), Plan 5 (post-Aug-2023), and Postgraduate loans — thresholds, rates, interest, and when overpaying makes sense.

• Understanding UK Tax Codes — Complete Guide to 1257L, BR, D0, K, NT and Emergency Codes

  Full UK tax code guide for 2026/27 — what 1257L, BR, D0, D1, K, NT, M, N and W1/M1 emergency codes mean, when they're used, and how to fix a wrong code.