UK Finance · Updated 2026
UK Financial
Guides & Deep Dives
In-depth guides on ISA, SIPP, National Insurance, stamp duty, student loans and side-hustle tax. Sourced to HMRC, the Student Loans Company and ONS — refreshed when the rules change.
Track all of this in the app
Richify tracks your ISA, SIPP, current account, buy-to-let and crypto in one place — net worth, allowance use and percentile update automatically. 7-day free trial on iOS and Android.
Income & debt
Student Loan Calculator UK — Plans 1, 2, 4 and 5
How each plan's threshold, repayment rate and write-off year work, what Plan 5 (post-2023 starters) means for graduates today, and when overpayments actually save money.
Free to read · 2026 figuresGig Tax Calculator UK — Side Hustle & £1,000 Trading Allowance
Self Assessment thresholds, the £1,000 trading allowance, allowable expenses for Uber/Deliveroo/Etsy/Airbnb income, payments on account, and when to register with HMRC.
Free to read · 2026 figuresSelf-Employed Tax Calculator UK — Class 4 & Payments on Account
For sole traders and freelancers: income tax and Class 4 NI on your 2026-27 profit, whether the £1,000 trading allowance beats your expenses, and why the first 31 January bill includes half of next year's tax.
Free to read · 2026 figuresCouncil Tax Bands England 2026/27 — Every Council's Charges
The eight bands and their 1991 values, what each band pays as a share of Band D, the 25% single-person discount, and the 2026/27 charge in every English council area.
Free to read · 2026 figuresCarer's Allowance Calculator UK — £204 Earnings Limit & State Pension
Caring 35+ hours a week? Check the £86.45 benefit, how much you can earn once half your pension contributions and paid care are deducted, and why claiming still pays if your State Pension is higher.
Free to read · 2026 figuresPlanning & behaviour
Opportunity Cost Calculator UK — What If You'd Invested?
The compounding cost of everyday spending, projected in real GBP against FTSE All-Share and global tracker assumptions — a behavioural lens for big-ticket purchases.
Free to read · 2026 figuresReality Check UK — Are You Behind, On Track or Ahead?
Where your net worth, savings rate and pension balance sit relative to UK peers — calibrated to ONS Wealth & Assets data so the percentile is real.
Free to read · 2026 figuresRelated UK data + tools
Autumn Budget 2026
28 October 2026 — the date, and what's already confirmed for April 2027.
Net worth percentile UK
ONS Wealth & Assets — where you sit by age and region.
Free UK calculators
ISA, NI, SDLT, student loan, gig-tax in one place.
Net worth tracker
ISA + SIPP + buy-to-let + crypto in a single dashboard.
Portfolio tracker
FTSE, ISA holdings, pension and property side by side.
Wealth tracker
Track total wealth across ISA, pension, property and crypto.
Buy-to-let tracker
Yield, mortgage interest, Section 24 and net cashflow per let.
