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.
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By SimonSelf-employed since 2017, selling online and tradingChanging 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
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2026/27
Every tool uses this tax year's figures
Real experience
Written by someone who has done it
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Side hustle tax calculator
See how much tax and National Insurance you owe on side income, and what to set aside each month.
Try itTake-home pay calculator
Your salary after income tax, National Insurance, student loan and pension, by year, month or week.
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 itStart here
Five ways to upgrade your money
Earn28 guides
Side hustles, flexible jobs and selling online, with what each one really pays once tax is taken off.
Explore earn
Tax14 guides
When HMRC needs to know, how much to set aside, and what Making Tax Digital means for you.
Explore tax
Save14 guides
Emergency funds, cashback, ISAs and savings challenges that actually stick.
Explore save
Invest13 guides
Your first stocks and shares ISA, choosing an app, and what investing is (and is not).
Explore invest
Debt6 guides
Paying off cards and loans faster, your credit score, and where to get free help if it has got too much.
Explore debt
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How to turn a jar of coins into money in your bank account without paying Coinstar's fees: your bank, the Post Office, building societies and other free options, plus how to bag coins properly.
I need £500 by tomorrow: 9 legitimate ways to get fast cash in the UK
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Best cashback sites UK 2026: TopCashback vs Quidco and how to earn more
How UK cashback sites work, TopCashback vs Quidco compared, the free and paid memberships, and the simple habits that turn cashback into hundreds of pounds a year.
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.
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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.