United Kingdom money guides

The rules behind our calculators, explained — with worked examples and the official sources.

• Pension tax relief explained: what a contribution really costs in 2026/27

  How UK pension tax relief works at 20%, 40% and 45%, the difference between net pay, relief at source and salary sacrifice, how higher-rate taxpayers claim the extra relief, and worked examples for 2026/27.

  With the Pension Tax Relief Calculator

• Capital gains tax on shares in 2026/27: rates, allowance and worked examples

  How much CGT you pay when you sell shares in the UK: the £3,000 allowance, the 18% and 24% rates, how your income decides the rate, average-cost pooling, using losses, and how and when to report.

  With the Capital Gains Tax Calculator

• ISAs and compound interest: how much your savings could grow in 2026/27

  How compound interest works, how much you can put in an ISA in 2026/27, Cash vs Stocks & Shares vs Lifetime ISAs, how savings and dividends are taxed outside an ISA, and worked examples of regular saving.

  With the ISA & Compound Interest Calculator