UK tax calculators, current-year reference pages, investing research and practical money guides for UK households. Free to use, with figures for the 2026/27 tax year.
Recent additions to the site: data trackers, decision guides, and topic hubs that bring related guides together.
Date, confirmed measures and the credible rumours — income tax, pensions, ISAs and IHT — tracked to Budget day on Wednesday 28 October.
Data tracker£760 a year more Income Tax in 2026/27 for a basic-rate taxpayer earning over £16,370, compared with 2020/21 thresholds uprated by CPI. Annual dataset, free to reuse under CC BY 4.0.
GuideHow salary sacrifice compares with relief at source and net pay for pension contributions in 2026/27, with a worked example and the cases where it causes problems.
GuideTax on £30,000 to £150,000 of profit compared for 2026/27, plus IR35 and the extra admin that comes with running a company.
Topic hubAccumulate → consolidate → draw → pass wealth. The four-phase route through UK retirement planning, including the 2027 IHT-on-pensions reform.
Topic hubThe £100k+ tax playbook. Four traps: HICBC, the 60% trap, additional rate, tapered allowance. Plus EIS/VCT stacking and salary sacrifice leverage.
CryptoHow to respond, voluntary disclosure mechanics, penalty regime, and what HMRC actually knows from exchange data sharing.
Start with the card that matches the decision you are making: pay and family thresholds, investing and pensions, or everyday bills and debt.
Everything here is free to use. The calculators and guides are built on public UK rules and checked against GOV.UK and HMRC sources. The links below explain how the figures are checked, how the site is funded and how your data is handled.
Start here if your question is about take-home pay, salary sacrifice, Child Benefit clawback, childcare, redundancy, home-buying or the general tax friction in your household.
Start here if the real question is portfolio structure, ETF selection, pension versus ISA trade-offs, or how tax changes the investment decision rather than the market view alone.
Start here if the pressure is month to month: a budget that holds, debts paid in the right order, cheaper bills, and what to do when a bank transfer scam leaves you out of pocket.
If you know the area of life or money that matters, these hubs are the fastest way to move from one answer to the next without hopping around the site at random.
The site is no longer just a one-off calculator stop. Use the seasonal checklists to revisit allowances, payroll choices, wrappers and thresholds at the points in the year where they are easiest to miss.
Most UK personal finance sites list dozens of providers because they're paid by them. UK Tax Drag lists one firm right now — chosen because the Editor has worked with its founder for over 10 years. No referral fees, no affiliate links, no commission. As we work with more UK firms over time, we'll add them here.
These are the pages that usually answer the first practical question quickly and point to one clear next step.
Long-form, end-to-end guides for the highest-stakes UK tax topics. Each covers thresholds, worked examples, the official HMRC source, and the most common gotchas.
Every page is reviewed against the editorial standards, written from primary sources and sourced openly, with corrections listed in the changelog. No affiliate revenue. No sponsored content. No paid placements.
UK Tax Drag is an independent publication by Finsolve Consulting Limited, not affiliated with or endorsed by HMRC, GOV.UK or any government body.
UK personal finance is mostly knowable. The rules are public, the maths is simple, and the best strategies are dull. This site exists because nobody should have to pay for that.
No advice. No affiliate links. No upsells. Just the system, explained.