Guides to pay, loans and saving.
Plain explanations for the choices behind your pay, loans and savings.
13 guides and 2 tools. Current figures link to their sources.
Find a guide
Choose a topic or search the guide titles and descriptions.
15 items available.
Tax and pay
Salary, deductions and the choices around them.
Student loans
Interest, repayments, plans and write-offs.
ToolWhich Plan Am I On?Identify your student loan repayment plan from a few questions.ToolMaintenance LoanSee maintenance loan support by income and living arrangement.GuideShould I Overpay?Understand when overpaying a student loan may save money.GuideHow Interest WorksHow student loan interest is calculated across the UK plans.GuideWrite-Off PeriodsWhen each student loan plan is written off and what that means.GuidePayslip MechanicsHow student loan deductions appear on your payslip.GuideOverpay or Invest?Compare overpaying a loan with investing spare money.
Saving
The ideas behind saving, investing and buying.
GuideCar Finance CostsCompare the full cost of finance, ownership and cash.GuideRent or BuySee the assumptions behind a rent-or-buy comparison.GuideReal vs Nominal MoneyThe difference between today's money and future cash amounts.GuideThe Compounding MathsHow contributions and growth compound over time.GuideLifetime ISA RulesThe Lifetime ISA bonus, limits and first-home rules.
Rates & Thresholds
Check the current student loan rates, repayment thresholds and source notes.