thesalarycalc

The Salary Calc Blog

Plain-English guides on tax, finance, property and retirement. No jargon, no waffle — just the stuff you actually need to know.

UK Guides

UK Tax

The £100k Tax Trap: How to Avoid Paying 60% Tax

Earn between £100k and £125,140? You're paying an effective 60% rate. Here's why and how to fix it.

7 min read

UK Tax

UK Income Tax Rates 2026/27: Every Band Explained

Personal Allowance, basic, higher and additional rate — with worked examples so you see exactly what you owe.

6 min read

UK Property

Stamp Duty Changes April 2025: What Buyers Need to Know

Nil-rate thresholds dropped, FTB relief reduced. Here's what changed and what you'll pay now.

5 min read

UK Tax

National Insurance Rates 2026/27: What You'll Pay

Employee, employer and self-employed NI rates explained with a step-by-step worked example.

5 min read

UK Tax

How Much Can I Earn Before Paying Tax?

Personal Allowance, trading allowance, savings interest, dividends — every tax-free amount in one place.

5 min read

UK Property

First-Time Buyer Guide: Stamp Duty, Deposits & Hidden Costs

Everything you need to budget for your first property — from deposit to completion day.

6 min read

UK Finance

UK Minimum Wage 2026/27: Every Rate by Age

National Living Wage and NMW rates, who qualifies, and what to do if you're being underpaid.

5 min read

UK Tax

Self-Employed Tax: The Complete Guide for 2026/27

Income tax, Class 2 & 4 NI, expenses, payment on account and MTD — everything freelancers need.

6 min read

UK Finance

How Student Loan Repayments Work (Plan 1–5)

Thresholds, rates, write-off periods and whether you should overpay. Every plan covered.

5 min read

UK Property

Council Tax Bands Explained: A to H

How bands work, how to check yours, single person discount, student exemptions and how to appeal.

5 min read

US Guides

US Tax

US Federal Tax Brackets 2025: Every Rate Explained

All seven brackets for single and married filers, standard deduction, FICA and a worked example.

6 min read

US Retirement

401(k) Contribution Limits 2025: How Much Can You Put In?

Employee limits, catch-up contributions, employer match rules and the new super catch-up for 60–63.

5 min read

US Retirement

Roth IRA vs Traditional IRA: Which One Should You Pick?

Tax-free growth vs tax deduction now. Income limits, backdoor Roth and when each one wins.

5 min read

US Tax

US Sales Tax by State: Complete 2025 Guide

Every state rate, which states have no sales tax, grocery exemptions and how it differs from VAT.

5 min read

US Property

How Much House Can I Afford? The Real Math

The 28/36 rule, down payments, closing costs, PMI and why the bank will approve more than you should spend.

6 min read

US Tax

2026 Federal Tax Brackets: Every Rate, Deduction & Strategy

All 7 brackets for single and joint filers, standard deductions, worked examples and how to lower your bracket.

10 min read

US Finance

How to Calculate Your Paycheck: Step-by-Step (2026)

Where every dollar goes — federal tax, FICA, state tax, benefits. With a full worked example.

10 min read

US Retirement

Roth IRA Contribution Limits 2026: Everything You Need to Know

Limits, income phase-outs, backdoor Roth, 5-year rule and common mistakes to avoid.

10 min read

US Property

How Much House Can I Afford on a $100K Salary?

The 28/36 rule applied to six figures, what it buys in different cities, and a full worked example.

10 min read

US Tax

Self-Employment Tax 2026: Complete Guide for Freelancers

The 15.3% nobody warns you about. SE tax, quarterly payments, deductions and S-Corp election.

10 min read

US Tax

Best and Worst States for Taxes in 2026

Complete ranking by total tax burden. No-income-tax states, best for retirees, best for self-employed.

10 min read