2 minutes
Use search or the Decision Centre. Best when you know the problem but not the correct page name.
If you only have...
10 minutes
Work out your take-home pay, then check the rates, allowances and thresholds that apply to you this tax year.
30 minutes
Follow one goal from start to finish, or read worked examples that show each calculation step by step.
What brought you here?
I need a number
Start with the calculator library. Search by salary, mortgage, childcare, pension, ISA, CGT, VAT, cards, debt or HMRC.
Browse calculatorsNormal money feels messy
Start with the Money Basics Academy and download the budgeting workbook before jumping into calculators.
Open academyI hit a tax trap
Start with Tax Traps Academy if a pay rise, bonus, Child Benefit, childcare, emergency code, savings interest, dividend, CGT or pension threshold changed the answer.
Open tax trapsMy pension is confusing
Start with the Pension Academy route map, then choose beginner, workplace, lost-pot, mistakes or calculator routes without duplicating content.
Open Pension AcademySomething in life changed
Start with the Life Events Money Academy for first jobs, renting, babies, redundancy, separation, illness, caring, bereavement and retirement.
Open life eventsI need a budget template
Use the UK Tax Drag Excel workbook for income, bills, debt, savings goals and subscriptions.
Download templateI do not know where to start
Start with one plain lesson on where your money goes each month, instead of opening everything at once.
Budgeting for beginnersI am worried about a scam or refund
Use the protection hub for APP scams, card protection, Direct Debit errors, complaints and FSCS cash checks.
Open money protectionBills feel too high
Start with energy, broadband, mobile, water, insurance, council tax and household support routes.
Open energy and billsI got an HMRC letter
Decode the document or tax code before reacting, paying, appealing or ignoring it.
Open the HMRC letters guideI am investing
New to it? Start with the plain-English beginner guide: wrapper choice, risk, time horizon and the main types of fund.
How to start investingI want to check quality
See how the calculators are built and tested, which sources the figures come from and how corrections are logged.
Read the methodologyThirteen good first pages
| Order | Page | Why it is a good first stop |
|---|---|---|
| 1 | Decision Centre | Best when you know the life event but not the tool. |
| 2 | Calculator library | Searchable route to every calculator and decision tool. |
| 3 | Money Basics Academy | Credit cards, debt, bills, switching, emergency cash and normal household finance. |
| 4 | Life Events Money Academy | Best when you know what has happened but not which money route fits. |
| 5 | Money Protection Hub | Scams, refunds, complaints, entitlements and cash protection. |
| 6 | Tax calculator | Take-home pay after Income Tax, National Insurance, pension and student loan. |
| 7 | HMRC letters, codes and penalties guide | High-stress problems need a calm first step. |
| 8 | Money journeys | Step-by-step routes for goals such as a first job, a first home or going self-employed. |
| 9 | Money Mistakes Library | Prevents expensive errors before the calculator stage. |
| 10 | UK tax calendar 2026/27 | Filing and payment deadlines for the tax year in one place. |
| 11 | Budgeting workbook | A spreadsheet for income, bills, debt, savings goals and subscriptions, with no email sign-up. |
| 12 | Methodology | How the calculators are built, tested and corrected. |
| 13 | Trust Centre | Shows site standards, assumptions, privacy and advertising boundaries. |
Nothing is locked away
Every calculator, guide and download here can be used without an account, an email sign-up or a paid tier.
Editorial accountability
Open Trust Centre →
How UK Tax Drag holds itself to account
Pages are checked against the primary sources listed on each page and reviewed by the Editor; corrections are logged in the changelog. Pages are drafted with the help of AI tools (how AI is used). 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.