Guides
Straight answers on UK money.
Written by Shiv Patel, Chartered Accountant (ICAS) - with every figure checked against the primary source that sets it. Guidance you can act on, not personal advice.
Salary sacrifice pension and the 2029 NI cap
How a salary sacrifice pension changes tax and National Insurance, with a worked £40,000 example - and why only £2,000 a year stays NIC-exempt from 2029.
Tax year 2026/27 Reviewed
Read the guideIs open banking safe? What an app is allowed to do
UK open banking splits reading your accounts from moving your money into two permissions - and you can check which one an app holds in two minutes.
Tax year 2026/27 Reviewed
Read the guide