https://sumlytools.com/blog/Plain-English guides to UK money questions.en-gb https://sumlytools.com/blog/25k-after-tax/https://sumlytools.com/blog/25k-after-tax/Sat, 03 Oct 2026 08:00:00 GMTA £25,000 salary is worth £1,793 a month after income tax and National Insurance in 2026/27. Here's the full breakdown. https://sumlytools.com/blog/30k-after-tax/https://sumlytools.com/blog/30k-after-tax/Sat, 03 Oct 2026 08:00:00 GMTA £30,000 salary is worth £2,093 a month after income tax and National Insurance in 2026/27. Here's the full breakdown. https://sumlytools.com/blog/35k-after-tax/https://sumlytools.com/blog/35k-after-tax/Sat, 03 Oct 2026 08:00:00 GMTA £35,000 salary is worth £2,393 a month after income tax and National Insurance in 2026/27. Here's the full breakdown. https://sumlytools.com/blog/40k-after-tax/https://sumlytools.com/blog/40k-after-tax/Sat, 03 Oct 2026 08:00:00 GMTA £40,000 salary is worth £2,693 a month after income tax and National Insurance in 2026/27. Here's the full breakdown. https://sumlytools.com/blog/50k-after-tax/https://sumlytools.com/blog/50k-after-tax/Sat, 03 Oct 2026 08:00:00 GMTA £50,000 salary is worth £3,293 a month after income tax and National Insurance in 2026/27. Here's the full breakdown. https://sumlytools.com/blog/60k-after-tax/https://sumlytools.com/blog/60k-after-tax/Sat, 03 Oct 2026 08:00:00 GMTA £60,000 salary is worth £3,780 a month after income tax and National Insurance in 2026/27. Here's the full breakdown. https://sumlytools.com/blog/compound-interest-explained/https://sumlytools.com/blog/compound-interest-explained/Sat, 03 Oct 2026 08:00:00 GMTWhy interest on your interest matters so much over time, with simple examples for lump sums and regular saving. https://sumlytools.com/blog/electric-vs-petrol-running-costs/https://sumlytools.com/blog/electric-vs-petrol-running-costs/Sat, 03 Oct 2026 08:00:00 GMTAn EV charged at home can save over £1,000 a year in fuel on 10,000 miles. Here's the comparison, and what else to factor in. https://sumlytools.com/blog/electricity-vat-cut-october-2026/https://sumlytools.com/blog/electricity-vat-cut-october-2026/Sat, 03 Oct 2026 08:00:00 GMTHousehold electricity in Great Britain is VAT-free until the end of March 2027. Here's what it saves you, and how Northern Ireland's £63 credit works instead. https://sumlytools.com/blog/ev-home-charging-cost-2026/https://sumlytools.com/blog/ev-home-charging-cost-2026/Sat, 03 Oct 2026 08:00:00 GMTHome charging can cost as little as 2p a mile on an off-peak tariff. Here's the maths, and how public chargers compare. https://sumlytools.com/blog/ev-salary-sacrifice-worth-it/https://sumlytools.com/blog/ev-salary-sacrifice-worth-it/Sat, 03 Oct 2026 08:00:00 GMTHow the tax savings work, what an EV really costs through work, and the things to check before you sign. https://sumlytools.com/blog/higher-rate-tax-explained/https://sumlytools.com/blog/higher-rate-tax-explained/Sat, 03 Oct 2026 08:00:00 GMTCrossing £50,270 doesn't mean your whole salary is taxed at 40%. Here's how tax bands actually work, with examples. https://sumlytools.com/blog/hourly-rate-to-annual-salary/https://sumlytools.com/blog/hourly-rate-to-annual-salary/Sat, 03 Oct 2026 08:00:00 GMTThe simple sum for turning an hourly rate into a yearly salary, the common mistakes, and what common hourly rates are worth after tax. https://sumlytools.com/blog/how-many-words-in-a-speech/https://sumlytools.com/blog/how-many-words-in-a-speech/Sat, 03 Oct 2026 08:00:00 GMTMost people speak at around 130 words a minute. Here's how many words you need for speeches from one to 30 minutes. https://sumlytools.com/blog/how-to-add-vat/https://sumlytools.com/blog/how-to-add-vat/Sat, 03 Oct 2026 08:00:00 GMTMultiply by 1.2. Here's why that works, with worked examples for 20%, 5% and zero-rated goods. https://sumlytools.com/blog/how-to-make-a-qr-code/https://sumlytools.com/blog/how-to-make-a-qr-code/Sat, 03 Oct 2026 08:00:00 GMTCreate a free QR code in seconds, plus the size, contrast and testing tips that stop it failing on a printed flyer. https://sumlytools.com/blog/iran-war-cost-uk-households/https://sumlytools.com/blog/iran-war-cost-uk-households/Sat, 03 Oct 2026 08:00:00 GMTPetrol is up 42p a litre, diesel is at a record high and the average two-year mortgage fix is near 6%. Here's what the war is really costing UK households. https://sumlytools.com/blog/mortgage-overpayment-vs-saving/https://sumlytools.com/blog/mortgage-overpayment-vs-saving/Sat, 03 Oct 2026 08:00:00 GMTA worked example of what overpaying £100 a month saves, and a simple way to decide between overpaying and saving. https://sumlytools.com/blog/mortgage-repayments-200000/https://sumlytools.com/blog/mortgage-repayments-200000/Sat, 03 Oct 2026 08:00:00 GMTMonthly payments on a £200,000 mortgage at different rates and terms, and how much interest you pay over the full term. https://sumlytools.com/blog/pension-salary-sacrifice-explained/https://sumlytools.com/blog/pension-salary-sacrifice-explained/Sat, 03 Oct 2026 08:00:00 GMTWhy putting money into your pension through salary sacrifice costs you less than it seems, with worked examples and the 2029 changes. https://sumlytools.com/blog/percentage-increase-decrease/https://sumlytools.com/blog/percentage-increase-decrease/Sat, 03 Oct 2026 08:00:00 GMTOne formula covers pay rises, price rises and discounts. Here it is, with examples and the traps to avoid. https://sumlytools.com/blog/stamp-duty-home-movers-2026/https://sumlytools.com/blog/stamp-duty-home-movers-2026/Sat, 03 Oct 2026 08:00:00 GMTStamp duty rates for people who already own a home, with worked examples at common prices and tips to avoid surprises. https://sumlytools.com/blog/stamp-duty-second-homes-2026/https://sumlytools.com/blog/stamp-duty-second-homes-2026/Sat, 03 Oct 2026 08:00:00 GMTThe 5% surcharge on second homes and buy-to-let explained, with worked examples and when you can get it back. https://sumlytools.com/blog/stones-to-kg/https://sumlytools.com/blog/stones-to-kg/Sat, 03 Oct 2026 08:00:00 GMTQuick methods and a conversion chart for switching between stones, pounds and kilograms. https://sumlytools.com/blog/tax-codes-explained/https://sumlytools.com/blog/tax-codes-explained/Sat, 03 Oct 2026 08:00:00 GMTDecode the letters and numbers on your payslip, spot a wrong tax code, and find out how to get it fixed. https://sumlytools.com/blog/working-days-calculator-uk/https://sumlytools.com/blog/working-days-calculator-uk/Sat, 03 Oct 2026 08:00:00 GMTA reliable way to count working days for notice periods, deadlines and holidays, including each nation's bank holidays. https://sumlytools.com/blog/60-percent-tax-trap/https://sumlytools.com/blog/60-percent-tax-trap/Fri, 02 Oct 2026 08:00:00 GMTHow losing your personal allowance creates a 60% tax rate, and the common ways people reduce it. https://sumlytools.com/blog/how-to-remove-vat/https://sumlytools.com/blog/how-to-remove-vat/Fri, 02 Oct 2026 08:00:00 GMTWhy taking 20% off a VAT-inclusive price gives the wrong answer, and the one-step way to get it right. https://sumlytools.com/blog/salary-after-tax-2026-27/https://sumlytools.com/blog/salary-after-tax-2026-27/Fri, 02 Oct 2026 08:00:00 GMTA quick-reference table of take-home pay at common salaries for 2026/27, and what changes as you earn more. https://sumlytools.com/blog/stamp-duty-first-time-buyers-2026/https://sumlytools.com/blog/stamp-duty-first-time-buyers-2026/Fri, 02 Oct 2026 08:00:00 GMTHow first-time buyer relief works, worked examples at common prices, and the £500,000 cliff edge.