Money guides

Each guide answers one money question in plain English, then points to the calculator that shows its working.

• Same income, different tax

  Employee, self-employed and rental income compared at six incomes, with the employer's hidden cost.

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• Average salary in the UK

  The median full-time salary, the range from low to high pay, and how it differs by region.

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• The 60% tax trap between £100,000 and £125,140

  How losing the Personal Allowance puts a 60% rate on income between £100,000 and £125,140.

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• Pension salary sacrifice in Scotland

  How Scottish Income Tax and UK National Insurance affect the cost of a pension contribution.

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• Additional Dwelling Supplement in Scotland

  How ADS adds a charge on the whole purchase price when Scotland's additional dwelling rules apply.

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