Disclaimer and how this site makes money

General information, not advice

Everything on Upgrade My Wealth is general information. It is not personal financial, investment or tax advice, and it does not take your circumstances into account. I am not a regulated financial adviser or an accountant.

Tax rules and allowances change. Each guide and tool shows the tax year it applies to, and figures are for England, Wales and Northern Ireland unless stated. Check your own position on GOV.UK or with a professional before acting.

Investing carries risk

The value of investments can go down as well as up, and you may get back less than you put in. Past performance is not a guide to the future. Trading leveraged products carries a high risk of losing money quickly.

Affiliate links

Some pages contain affiliate links. If you click one and sign up or buy, I may earn a commission at no extra cost to you. Pages with affiliate links say so near the top. Commissions never decide what I include or how I rank it.

Calculators

The tools give estimates based on the information you enter and the rules for the tax year shown. They do not store what you type. Treat the results as a guide, not a final figure.