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  <description>Free, accurate calculators for the UK — take-home pay, VAT, mortgages &amp; more — in-depth guides updated for the 2026/27 tax year.</description>
  <language>en-GB</language>
  <copyright>© Ofir Baranes 2026</copyright>
  <lastBuildDate>Tue, 21 Jul 2026 00:00:00 GMT</lastBuildDate>
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    <title>Understanding your UK take-home pay</title>
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    <description>A clear guide to how UK take-home pay works in 2026/27 — the Personal Allowance, Income Tax bands, National Insurance and the 60% tax trap above £100,000.</description>
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    <pubDate>Tue, 21 Jul 2026 00:00:00 GMT</pubDate>
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    <title>UK Stamp Duty explained</title>
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    <description>How Stamp Duty Land Tax (SDLT) works in England and Northern Ireland in 2026 — the bands, first-time buyer relief and the surcharge on second homes.</description>
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    <pubDate>Tue, 21 Jul 2026 00:00:00 GMT</pubDate>
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    <title>How to save for retirement in the UK</title>
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    <description>Your 2026/27 roadmap to UK retirement saving — auto-enrolment and employer matching, pension tax relief, the £60,000 allowance, and where an ISA fits.</description>
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    <pubDate>Tue, 21 Jul 2026 00:00:00 GMT</pubDate>
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    <title>How UK student loan repayments work</title>
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    <description>A plain-English guide to UK student loan repayments for 2026/27 — how the 9% above-threshold deduction works, the Plan 1/2/4/5 thresholds, and write-off rules.</description>
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    <pubDate>Tue, 21 Jul 2026 00:00:00 GMT</pubDate>
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