Personal Finance Articles & Guides
Covering tax changes, ISA rules, mortgages, pensions, and salary.
Employer NI Threshold Dropped to £5,000: Why Small Business Owners Are Furious
Employer NI secondary threshold fell from £9,100 to £5,000 in April 2025. The rate rose to 15%, adding roughly £800 per minimum-wage worker each year.
15 April 2026
ISA Allowance is Dropping to £12,000 in 2027: What to Do Before April
ISA allowance drops to £12,000 for cash from 6 April 2027 for under-65s. The 2026/27 tax year is your last chance to use the full £20,000 limit.
15 April 2026