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.
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
No account needed. Nothing you type in a tool 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 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
Earn20 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
Save12 guides
Emergency funds, cashback, ISAs and savings challenges that actually stick.
Explore save
Invest11 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
Latest guides
Fresh this tax 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.
0% balance transfer credit cards explained: how they work and the traps
How a 0% balance transfer card works in the UK, the transfer fee, what happens when the 0% ends, how much of your limit you can move, and the mistakes that cost people their deal.
Buy now pay later UK: the new 2026 rules, and when to avoid it
How buy now pay later works with Klarna, Clearpay and PayPal, what the FCA rules from 15 July 2026 changed, late fees, credit files and how to stop BNPL turning into debt.
Car boot sale tips UK: how to make the most money (and buy to resell)
How to make money at a car boot sale in the UK: what to take, how to price, when to arrive, what sells, and how to find bargains to resell online. Plus the tax rules.
Debt consolidation loans UK: are they a good idea?
How debt consolidation works in the UK, when a consolidation loan saves money, when it makes things worse, secured vs unsecured loans, and free alternatives like debt management plans.
Deliveroo, Uber Eats or Just Eat? Food delivery as a side hustle UK
What food delivery work is really like in the UK: how riders and drivers are paid, costs, insurance, the best times to work, and the tax and mileage you can claim.
Tax deadline reminders
Get a reminder before every tax deadline
One short email before 31 January, 31 July and 5 October, a heads-up when a Budget changes the rules, and new tools as they launch. One or two emails a month.
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.