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Explanations, guides and things worth knowing — some next to a calculator, some standing entirely on their own.
The £20,000 ISA allowance for 2025/26, and what changes after it
The headline number has not moved in years, but two things around it have: a UK-shares top-up was proposed and then dropped, and from 2027 the cash portion of the allowance shrinks for most savers. Here is where things a...
14 September 2026 · Daniel Garcia
The state pension for 2026/27, and how the triple lock set it
Earnings growth beat inflation this year, so the triple lock used the earnings figure. That single comparison, repeated...
13 September 2026 · Daniel Garcia
The personal allowance freeze, and what fiscal drag actually costs you
Nobody raised your tax rate. Nobody needed to. Freezing the personal allowance and the higher rate threshold while wages...
13 September 2026 · David WilliamsBrowse by category
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Some explain a question behind a calculator: which number belongs where, which rule applies to you, what the answer means. Others stand on their own and have nothing to do with a calculator. Either way, the arithmetic itself stays on the calculator pages — an article only ever explains, it never computes.
What a rate change does to your mortgage payment
Central banks move rates in quarter points, and lenders pass them on in steps that look small on paper. Here i...
How much can I borrow, and what does a lender actually count?
The number a lender will give you is not your salary times four. It is a payment they think you can still affo...
Fixed or variable: how to choose the way your rate is set
The choice is not a forecast about rates. It is a question about how much a known payment is worth to your hou...
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