UK side income, tax and money
Earn more on the side. Keep HMRC happy. Make it work.
Free calculators and straight-talking guides from someone who turned side hustles into a full-time income, without the get-rich-quick nonsense.
Changing in April 2027
£30kMaking Tax Digital drops to £30,000Side hustle and rental income add together. Cross the line and you need MTD software and quarterly updates.Check if it applies to you £3kTrading allowance triples to £3,000From 6 April 2027 your first £3,000 of side income is tax free, and you will not need to tell HMRC about it.See what you will payFree
No sign-up, nothing you type is stored
2026/27
Every tool uses this tax year's figures
Real experience
Written by someone who has done it
Free tools
Run your numbers
Side hustle tax calculator
See how much tax and National Insurance you owe on side income, and what to set aside each month.
Try itWhich side hustle suits you?
Five quick questions, then your three best-matched side hustles with a full guide for each.
Try itMaking Tax Digital checker
Find out if and when you need MTD software and quarterly updates for your side income or rent.
Try it1p savings challenge tracker
Tick off all 365 days, forwards or in reverse, and watch your way to £667.95.
Try itStart here
Four ways to upgrade your money
Earn
Side hustles, flexible jobs and selling online, with what each one really pays once tax is taken off.
Explore earn
Tax
When HMRC needs to know, how much to set aside, and what Making Tax Digital means for you.
Explore tax
Save
Emergency funds, cashback, ISAs and savings challenges that actually stick.
Explore save
Invest
Your first stocks and shares ISA, choosing an app, and what investing is (and is not).
Explore invest
Latest guides
Fresh this tax year
Christmas temp jobs UK 2026: who is hiring and what they pay
Christmas temp jobs in the UK for 2026: Royal Mail, John Lewis, Waitrose, Boots, supermarkets and warehouses, with pay rates, when to apply and how to turn a temp role into a permanent one.
11 early morning jobs in the UK: earn before 9am (2026)
The best early morning jobs and side hustles in the UK, from delivery rounds and supermarket shifts to dog walking and bakery work, with what they pay and how to get started.
The 50/30/20 budget rule: a simple UK budgeting method (with examples)
How the 50/30/20 budget works in the UK: what counts as needs, wants and savings, worked examples on common take-home pay, and how to adjust it when rent or bills take more than half.
52-week savings challenge UK: save £1,378 in a year (with weekly table)
How the 52-week money challenge works, the full weekly table, the reverse version, a £2 and £5 version, and tips to finish. Save £1,378 by the end of the year.
Are Premium Bonds worth it? Odds, prize rate and who they suit (2026)
How Premium Bonds work, the 4.35% prize fund rate and 21,000 to 1 odds, what most people actually win, and when Premium Bonds beat a savings account or cash ISA.
Autumn Budget 2026: what it means for side hustles, savings and ISAs
The October 2026 Budget explained for everyday money: the £3,000 trading allowance, the cash ISA U-turn, higher tax on savings and rental income, the minimum wage rise and more.
Hi, I'm Simon
I went from living paycheck to paycheck to running my own online businesses and trading full time. This site is the practical stuff I wish someone had told me: what side income really pays, what HMRC expects, and where to put the money after.