Guides
Plain-English explanations of the rules behind our calculators, updated for 2026/27.
Income tax bands and rates for 2026/27Every band and rate for England, Wales, NI and Scotland.National Insurance rates for 2026/27Class 1 and Class 4 rates and thresholds explained.The 60% tax trap explainedWhy £100k–£125k earners pay 60% and how to avoid it.UK minimum wage rates from April 2026National Living Wage £12.71 and every age band.Student loan repayment thresholds for 2026/27Thresholds and rates for every student loan plan.Stamp duty for first-time buyersHow first-time buyer relief works and who qualifies.