Welcome to
Plouta Financial Wellness Hub
Your go-to source for clear, practical advice on budgeting, investing, pensions, tax and more helping you make smarter money decisions at every stage of life.
Explore our latest articles that help you make smarter financial choices
Filter by category
- Budgeting
- Capital Gains Tax
- Family Protection
- Financial Freedom
- ISAs & Tax-Free Investing
- Inheritance Tax (IHT)
- Insurance
- Investment Platform Reviews
- Managing Your Pension
- Money Books Worth Reading
- Money Saving Checklists
- Mortgages & Property
- Pension Provider Reviews
- Retirement Planning Tips
- Saving and Investing
- Tax and Business
- Tools & Calculators
- Trusts, Wills & Estate Planning
- Wealth Building Tips
Do You Pay Tax on Lottery Winnings in the UK? The Complete Guide
Find out if you pay tax on lottery winnings in the UK. Our guide explains the rules for Income Tax, Inheritance Tax (IHT), and gifting your winnings.
Gifting Money to Family: A UK Guide to Tax-Free Gifts and Inheritance Tax
Learn how much money you can gift to family tax-free in the UK. Our 2025 guide explains the £3,000 annual exemption, the 7-year rule, and Inheritance Tax.
A UK Business Owner's Guide to Tax: Corporation Tax, VAT, CGT & More
Your 2025/26 guide to UK business tax. We explain Corporation Tax rates and reliefs, Capital Gains Tax, VAT, and the Construction Industry Scheme (CIS).
The Self-Employed Pension Guide: Your Best Options for Retirement
A guide to the best UK pensions for the self-employed, sole traders, and limited company directors. Compare SIPPs vs. LISAs, understand tax relief, and start saving.
The Director's Guide: How to Contribute to Your Pension via a Limited Company
Learn how to make tax-efficient pension contributions from your UK limited company. Our 2025 guide covers tax relief, NI savings, rules, and how it beats a salary or dividend.
UK Take-Home Pay Calculator: Understand Your Salary and Payslip (2025/26)
Use our UK salary tax calculator to see your take-home pay. This guide explains your payslip, including tax codes, NI, pensions, student loans, and more for 2025/26.
UK Income Tax Rates 2025/26: A Guide to Your Allowances & How to Maximise Them
Your complete guide to UK income tax rates for 2025/26. Compare the bands for England, Scotland, and Wales, understand your allowances, and learn how to save tax.
8 Tax-Efficient Investments for UK Higher-Rate Taxpayers
Our latest guide for UK higher-rate taxpayers. Explore 8 tax-efficient investments including Pensions/SIPPs, ISAs, VCTs, EIS, and SEIS to reduce your tax bill.
The 5 Best Tax-Efficient Investments in the UK
Our latest guide to the best tax-efficient investments in the UK. We explain Pensions, ISAs, LISAs, VCTs, and EIS/SEIS to help you grow your wealth faster.
How to Achieve Financial Wellness in the UK: Your Road to Financial Freedom
Your ultimate guide to buying a home in the UK. Covers search, mortgages, deposits, a detailed list of initial expenses with estimates, and an address change checklist.
Unlocking Your HMRC Tax Refund: A Guide to What It Is and How to Claim Your Rebate
Think you've overpaid tax? Our UK guide explains HMRC tax refunds, why they happen, how to claim a rebate (P800, online), and how to spot scams.
What is a P800? Your Ultimate Guide to HMRC's Overpayments and Underpayments Tax Letter
Received a P800 tax calculation from HMRC? Our UK guide explains what it means if you've overpaid or underpaid tax, how to claim a refund, and how to respond.
What is a P60 Form? Your Essential Guide to Understanding Your End-of-Year Tax Summary
Understand your P60 form. Our UK guide explains the details, why it's important for tax refunds and mortgages, and what to do if it's wrong or lost.
Stamp Duty Explained: Your Ultimate Guide to UK Property Tax
Buying a home in the UK? Our 2025 guide explains everything you need to know about Stamp Duty, including current rates, first-time buyer relief, and additional property surcharges.
What Does Tax Code 1257L Mean in Your UK Pay
Understand the UK tax code 1257L. Our guide explains what the numbers and 'L' mean, who has it, and how it affects your income tax. Check if it's right for you!
HMRC Tax Refund: A Guide to What It Is and How to Claim Your Rebate
Think you've overpaid tax? Our UK guide explains HMRC tax refunds, why they happen, how to claim a rebate (P800, online), and how to spot scams.
UK Self Assessment Tax Return: How to complete your tax return
Your ultimate guide to completing your UK Self Assessment tax return. Tips on registration, deadlines, what you need, avoiding mistakes, and MTD for ITSA.
The Ultimate Financial Planning Guide for Working Expats in the UK
New to the UK for work? Our ultimate guide for expats covers NI numbers, UK tax, NHS, banking, ISAs, pensions, property, and tips for financial success.
Understanding UK Tax Code: Your Ultimate Guide
Demystify your UK PAYE tax code for 2025/26. Our ultimate guide explains what the letters and numbers mean, why it changes, how to check it, and what to do if it's wrong. Take control of your tax.
Emergency Tax Explained: What It Is & How to Claim a Refund
Our 2025 guide to UK emergency tax. Learn what it means, why it happens, and how to easily claim back any overpaid income tax from HMRC.
Join the Plouta Financial Wellness Community
Financial wellbeing means feeling confident and in control of your money now and in the future. It’s about reducing stress, making smart decisions, and being prepared for life’s surprises.