UK tax and money guides
Plain-English guides to UK tax, pay and money rules, from how much tax to set aside when you are self-employed to student loans, Child Benefit, Tax-Free Childcare, holiday entitlement, sick pay and maternity and paternity pay. Each guide links to a free calculator so you can work out your own figures, and most link to the GOV.UK pages they are based on.
Self-employed, side hustles and landlords
- How much tax to set asideHow Income Tax and Class 4 NI add up, payments on account with a first-year example, and the key deadlines.
- £1,000 trading allowance guideFull and partial relief, allowance vs expenses, and when you need Self Assessment.
- Mileage & expenses guideHMRC mileage rates, what the flat rate covers, working-from-home flat rates and common allowable costs.
- Landlord rental income tax guideProperty allowance vs expenses, allowable costs, the 20% mortgage interest credit and Making Tax Digital dates.
- Late paying clients guideWhen an invoice is legally late, statutory interest, fixed compensation and how to chase politely.
Tax and pay
- The £100,000 tax trap guideAdjusted net income, the effective 60% rate between £100,000 and £125,140, the childcare cliff and how pension payments help.
- Child Benefit charge guideWhat counts as adjusted net income, the £60,000 to £80,000 taper with examples, and whether to opt out.
- Plan 2 vs Plan 5 student loansWho is on which plan, the £29,385 and £25,000 thresholds, interest and the 30 vs 40-year write-off.
- Holiday entitlement guide5.6 weeks and the 28-day cap, bank holidays, part-time and compressed hours, 12.07% for irregular hours, carry-over and holiday pay.
- Statutory Sick Pay guideSSP from April 2026: £123.25 or 80% of earnings from day one, who qualifies, daily rates, linked spells, fit notes and SSP1.
- Maternity & paternity pay guideSMP, Maternity Allowance and SPP for 2026-27: 90% then £194.32, the qualifying week, day-one paternity leave and worked examples.
Household and family
Reference
Want it all in a spreadsheet?
Tidy Sheets makes simple Excel and Google Sheets templates for UK side hustles, the self-employed and household budgets.
More free tools: Tax & Pay · Self-Employed · Household · Shop