https://financehubuk.com/Source-checked FinanceHub UK calculators and guideshttps://financehubuk.com/debt/debt-consolidation-calculator/https://financehubuk.com/debt/debt-consolidation-calculator/A consolidation loan is not automatically cheaper. This calculator compares the same balance and repayment term at two APRs. A positive monthly difference suggests the proposed rate lowers the modelled payment, but fees, a longer real term, early-settlement costs, secured-loan risk and additional borrowing can make the total cost higher.Mon, 03 Aug 2026 00:00:00 +0000https://financehubuk.com/savings/emergency-fund-calculator/https://financehubuk.com/savings/emergency-fund-calculator/A common emergency-fund starting point is three to six months of essential outgoings, but the right target depends on income stability, dependants, insurance, health, housing and access to support. This calculator multiplies your essential monthly spending by your chosen number of months. It does not assume that every household needs six months.Mon, 03 Aug 2026 00:00:00 +0000https://financehubuk.com/tax/income-tax/marginal-tax-rate-calculator/https://financehubuk.com/tax/income-tax/marginal-tax-rate-calculator/Your marginal Income Tax rate is the tax charged on the next part of income, not the average rate across all income. This calculator tests an extra £100 under 2026 to 2027 bands. It excludes National Insurance, student loans, benefits, pension interactions and most reliefs, so total withdrawal can be higher.Mon, 03 Aug 2026 00:00:00 +0000https://financehubuk.com/tax/national-insurance/class-1-national-insurance-explained/https://financehubuk.com/tax/national-insurance/class-1-national-insurance-explained/Class 1 National Insurance applies mainly to employees and employers through payroll. For category A employees in 2026 to 2027, employees normally pay 8% between the primary threshold of £12,570 and upper earnings limit of £50,270, then 2% above it. Employers normally pay 15% above the £5,000 secondary threshold.Mon, 03 Aug 2026 00:00:00 +0000https://financehubuk.com/credit-cards/credit-card-vs-overdraft/https://financehubuk.com/credit-cards/credit-card-vs-overdraft/Neither option is always cheaper. An arranged overdraft can be convenient for a very short cash-flow gap, while a credit card may offer a lower promotional or standard rate and a defined minimum payment. Compare the actual APR, fees, borrowing period and repayment plan, then choose the lowest total cost you can clear safely.Mon, 03 Aug 2026 00:00:00 +0000https://financehubuk.com/salary/salary-benchmarking-guide/https://financehubuk.com/salary/salary-benchmarking-guide/A useful salary benchmark compares like with like: the same occupation, seniority, region, working pattern and pay period. Start with ONS earnings data, then test current vacancies and credible sector surveys. Compare base salary and total reward separately, use the median rather than a single advertised figure, and record the date of every source.Mon, 03 Aug 2026 00:00:00 +0000https://financehubuk.com/benefits/universal-credit/universal-credit-taper-rate/https://financehubuk.com/benefits/universal-credit/universal-credit-taper-rate/The Universal Credit earnings taper is 55%. After any work allowance that applies, each £1 of relevant earnings normally reduces Universal Credit by 55p. For 2026 to 2027, the monthly work allowance is £427 where the award includes housing costs and £710 where it does not.Mon, 03 Aug 2026 00:00:00 +0000https://financehubuk.com/tax/vat/vat-fuel-scale-charges/https://financehubuk.com/tax/vat/vat-fuel-scale-charges/A VAT fuel scale charge is used when a VAT-registered business reclaims input VAT on road fuel that also covers private motoring. For accounting periods beginning from 1 May 2026, select the vehicle’s CO2 band, use the correct monthly, quarterly or annual table, and account for the listed output VAT.Mon, 03 Aug 2026 00:00:00 +0000