Professional UK tax calculators, current-year reference pages, investing research and money education for families and classrooms. Free, and built to be worth reopening.
Recent additions to the site. Citable data, interactive decision tools, and the new topic hubs that route you into the right cluster.
£2,140/year of real take-home lost to frozen thresholds on the median UK wage since 2021. Citable annual dataset, CC BY 4.0.
Decision tree5-question interactive decision tree covering HICBC, the 60% trap, and the tapered annual allowance.
Decision tree6-question tree routing UK self-employed earners to the right structure with worked tax comparisons.
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.
The site is broad enough now that the best starting point is usually your role, not the raw page count. Start with the audience card that matches the decision you are actually making.
Everything here stays free. The site is built around public UK rules, practical calculators, plain-English explainers, and clean calculator pages that stay readable even when ads are added elsewhere.
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 you want age-banded financial literacy, lesson packs, printables, classroom units and a more structured way to teach saving, tax, safety and investing.
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 on the basis of direct, long-standing personal experience. 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, especially if someone has landed here from search and needs 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, sourced openly, and corrected publicly. No affiliate revenue. No sponsored content. No paid placements.
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.