Everything I give away, in one place.
Tools and guides to help you see your numbers clearly and make your own calls.
Take-home pay calculator
See your real UK take-home after tax, National Insurance, pension and student loan, including NHS pension tiers. 2026/27 rates.
Check your take-homeMoney Vitals
Budget, debt payoff plan, FIRE number, net worth and a shift pay planner. £9.99 one-off, installs on your phone.
See what's insideThe UK money map
The whole UK money system on one page, from bank accounts to pensions, and how to use it.
Read the guideStraight talk, twice a month
Plain-English money notes for NHS staff and anyone on a UK wage.
Subscribe freeFinancial First Aid
161-page PDF field guide to UK money for 2026/27, with workbook pages. £9.99.
Get the bookThe figures
Every 2026/27 UK rate and allowance used in the book, kept up to date each April.
See the figures15-minute triage call
Not sure where to start? Tell me what's stressing you most and I'll tell you honestly what would help.
Book a callEverything here is educational, not regulated financial advice.