How this site stays honest

Independence Statement

Most "free" UK money sites are funded by referrals, affiliate links, lead generation, or sponsored content. This is the explicit list of things UK Tax Drag does not do, so you can decide for yourself whether the calculators and guides are written for you or for someone else.

Every line below is enforceable. If you ever find content on the site that breaches one of these, send a complaint via the About page contact route and the page will be corrected.

What we do not do

No affiliate links

You will not find any "open an account here and we get a commission" link on the site. Not for ISAs, not for SIPPs, not for mortgage brokers, not for crypto exchanges, not for accountants. Where we name a product (e.g. iShares, Vanguard, named ETFs), it is for educational comparison only.

No sponsored content

No section, paragraph, calculator, or recommendation has ever been written in exchange for payment. There are no "in partnership with" articles, no advertorials, no PR-placed content, and no paid mentions of brands or platforms.

No SEO link buying or selling

No paid backlinks have been bought to lift the site in Google. No outbound links on the site are sold. No guest-post network. No "do-follow" reciprocal arrangement. Outgoing links go where the content actually points (gov.uk, HMRC, FCA, MoneyHelper, named product issuers).

No paywall, no "premium" tier, no upsell

Every calculator and every guide is freely usable without a login, without an email, and without a "subscribe to unlock" interstitial. The site has no paid tier and no plans for one.

No personal data collection or email scraping

You can use every calculator without entering an email address. The optional scenario sync feature uses an emailed magic-link only when you ask for it; the email is used for that send and no other purpose. The site does not run intrusive analytics, third-party advertising scripts, fingerprinting, or behavioural profiling. Full detail on the privacy page.

No regulated advice posing as education

The site is not authorised by the Financial Conduct Authority and does not pretend to be. Nothing on it is personal financial advice. Calculators frame a question; they do not answer it for your specific case. See the content disclaimer for the full statement.

No AI-generated content masquerading as expertise

Editorial writing on the site is human-written. Calculations are coded by humans against published HMRC rates. Where AI tools are used at all (e.g. spell check, code completion), the published output is reviewed by a human against the relevant gov.uk source before publication.

What we do

Publish our methodology

Each calculator's About this calculator footer states the tax year used and the assumptions baked into the model. Most calculators link to a methodology page that documents the formula step-by-step.

Cite primary sources

Every rate, threshold, allowance, or rule on the site is verifiable against an HMRC bulletin, a gov.uk page, an FCA publication, a Bank of England rate notice, or named primary legislation. The "Sources & references" panel on calculators makes those citations one click away.

Keep the calculator code inspectable

The calculator JavaScript is plain, unminified, and served straight from /assets/. You can open browser DevTools on any calculator and read the actual maths. There is no obfuscated bundle hiding the calculation.

Date everything

Every calculator and guide displays a "Last reviewed" date in the trust block at the bottom of the page, automatically updated on deploy. If a Budget or Spring Statement has changed something we have not yet reflected, the date tells you to double-check.

Correct errors openly

If you find a bug, an outdated figure, or a calculation that disagrees with HMRC's official tools, the contact route on the About page goes to a real person. Material corrections are applied as soon as practical and noted in the changelog.

Why this matters: the dominant business model in UK consumer finance content is to convert reader trust into a referral fee. That model is legitimate but it bends content. Every UK consumer-finance site that quietly recommends a particular ISA platform, mortgage broker, or comparison engine is doing so for an economic reason. UK Tax Drag has explicitly stepped outside that loop so the calculations and guidance can answer the user's actual question, not the question that pays the most.

Last updated: April 2026.