Author name: Matthew Newton MBA

Employer National Insurance, pension contributions and on-costs — what a new hire really costs a UK small business beyond gross […]

How to choose between a Cash ISA and a Stocks & Shares ISA for the 2026/27 tax year, and why

The three UK VAT rates for 2026/27 — 20%, 5% and 0% — explained with real examples of what falls

GP partner pay works completely differently from a salaried job, and it genuinely confuses people moving into partnership for the

Locum and sessional pay works differently from salaried NHS pay in ways that genuinely affect your real take-home — worth

Cross £50,270 in 2026/27 and you start paying the higher rate of Income Tax — but only on the slice

The difference between Class 2 and Class 4 National Insurance for the self-employed in 2026/27, who pays what, and how

A plain-English comparison of Inside and Outside IR35 take-home pay for UK contractors, with the real numbers behind each status.

On a £40,000 salary in 2026/27 you take home £32,320 a year — about £2,693 a month — after £5,486 in income tax and £2,194 in