The calendar
What expires and when. The ISA allowance and the capital gains exemption go on 5 April and do not carry over. Payments on account fall on 31 January and 31 July. Corporation tax is due nine months and a day after your company year end.
£9 a month, or £90 a year
Watch your position
The free snapshot is true on the day you work it out and never again. Watching it means keeping your figures, recomputing them every month against the rules as they actually stand, and telling you what moved and what is about to run out.
What arrives, every month
What changed
Every threshold this site relies on is registered with its source and a date it must be read again. When one moves — at a Budget, or at the turn of a tax year — your position is recomputed against the new figure and you are told what the move did to it.
Where you stand
The same report as the free snapshot, run monthly rather than once: what the thresholds take, what a different arrangement of the same money would keep, and which of those is the biggest.
What it is not
It is not advice, and it is not a person. Nothing it sends you is an instruction. Every line states what a rule does to a figure you gave us and which number changes the outcome — the difference between information and a personal recommendation, which is a regulated activity this site is not authorised to carry on.
It does not rank providers, recommend a platform or a product, or receive a penny from anyone whose name might appear in it. That is written down on the disclosure page and it is not going to change.
Income tax, National Insurance, student loan repayments and Scottish rates are not modelled. Anything material is still worth an accountant or a regulated adviser who can see your whole position.
Not open yet
It is not taking payment today
Being honest about where this is: the report is built and tested, and the monthly watch is being finished now. It does not open until a qualified reviewer has been through the wording, because charging for something personal about your money raises the bar on what it is allowed to say, and that is a bar worth clearing before the first pound rather than after it.
Work out your position free in the meantime. Join the letter and you will be told when the watch opens — at £9 a month, which is the price whether you are told early or late.
The Swealth letter
Be told when the watch opens
One letter a week on Thursday meanwhile, and the UK Wealth Blueprint to start with.