The long game of building wealth

Tax is where sensible people quietly lose, or keep, thousands. We track the UK rules as they change and translate them into legal, practical moves. Figures reflect the 2026/27 tax year.

Tax · Bonuses

How Your Bonus Is Actually Taxed

There is no bonus tax, just your marginal rate plus NI, and a band where £10,000 leaves you £4,800. What you keep, and how to keep all of it.

A hand wearing a wedding ring signing a printed form

Tax · Allowances

Marriage Allowance and the Small Tax Wins People Miss

£252 a year, backdatable four years to £1,260, and it takes ten minutes. Plus the trading, property and savings allowances that go unclaimed.

A couple at a kitchen table working through paperwork with a calculator

Tax · Families

The Child Benefit Charge Costs More Than You Think

Between £60,000 and £80,000 the charge claws back 1% of your award for every £200 earned, and with two children that is a marginal rate few people see coming.

Chart of the tax on a small pension pots withdrawal, peaking at 45 percent at 100,000 pounds

Compound Research

The Small Pension Pots Loophole Costs Most at £100,000

Taking three £10,000 pots is described as free money. The effective rate peaks at 45% at £100,000, higher than at £150,000.

Pay · Reference

What the Average UK Salary Actually Takes Home

Median full-time pay, run through income tax, National Insurance and a student loan, so the headline figure becomes the number that lands in an account.

Tax · Professions

Headteacher Take-Home Pay Across the Full Range

The headteacher pay range spans nearly £90,000 of gross salary. The effective tax rate at the bottom of it can be higher than at the top.

Tax · Professions

NHS Consultant Take-Home Pay, and the 60% Trap on Three of Five Pay Points

Three of the five consultant pay thresholds in England sit inside the personal allowance taper.

Corporation tax 2026/27: 26.5%, the rate on the next pound, above the main rate

Tax

Corporation Tax Has a 26.5% Rate That Is Higher Than Its Top Rate

Between £50,000 and £250,000 of profit, every extra pound is taxed at 26.5%. Above...

Director's salary 2026/27: £96,739, the optimum the £12,570 rule misses

Tax

The £12,570 Rule Is Right for Some Companies and Costs Others £3,000 a Year

Every guide tells company directors to take the personal allowance as salary and the rest as dividends....

Tax · Scotland

Scotland's Hidden 48% Band: Why the Top Rate Really Starts at £116,760

The advertised start is £125,140. Over £100,000 it begins nearly £8,400 earlier.

A hand signing a form at a desk

Tax · Pensions

Salary Sacrifice: the Higher Earner's Most Underused Move

One tick on an HR form can cut your income tax and your National Insurance in the same stroke, and quietly hand back benefits you

Compound Research

Which UK Professions Sit Inside the Tax Traps?

Published NHS and teaching pay scales mapped onto the 2026/27 bands. Three consultant thresholds sit in the 60% trap.

Chart of UK effective marginal tax rates peaking at 77 percent

Compound Research

UK Marginal Tax Rates 2026/27: When 60% Becomes 77%

Every UK marginal rate mapped for 2026/27: how the taper, Child Benefit charge and student loans compound.

Tax · Higher Earners

The 60% Tax Trap Between £100k and £125k, and the Legal Way Out

The harshest marginal rate in the system, and the pension move that escapes it.

Tax

2026/27 Tax Thresholds Are Still Frozen, Here's What the Freeze Quietly Costs You

Fiscal drag: the stealthiest tax rise there is, and how to soften it.

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