Plain-English explanations of how UK pay, tax and deductions work — so the numbers in the calculator make sense.
How RSUs are taxed in the UK
Plain-English walk-through of vesting, PAYE, and why you keep less than the headline grant.
The 60% tax trap: Personal Allowance taper
Why income between £100,000 and £125,140 is taxed more heavily than anything else.
How salary sacrifice pension contributions work
Why pension sacrifice costs less than the headline percentage — and how it can pull you out of the 60% taper.
Student loan repayments — all plans explained
Plans 1, 2, 4, 5 and postgraduate side by side — and why repayments apply to RSU vests and bonuses too.
Income tax bands explained
The difference between average and marginal rate — and what a pay rise near a band boundary actually delivers.
National Insurance: what you pay and why
Why the NI rate drops above £50,270, how NI differs from income tax, and why salary sacrifice saves NI as well as tax.
Comparing two job offers on take-home pay
Why headline salary is a poor comparator — and how to model the real net difference when packages include RSUs, pension and sign-on bonuses.