Editorial policy

Money and tax guides are only useful if they are right. This page explains where the information on Upgrade My Wealth comes from, how it is checked, and what happens when something changes or goes wrong.

Who writes the guides

The site is run by Simon, who has been self-employed since 2017, selling online and trading. You can read more about me here. Where a guide draws on my own experience, such as selling on eBay or Amazon, it says so. Where it does not, it is based on the official sources below.

I use AI tools to help research and draft some guides and to build the calculators. Nothing is published until I have read it, checked the facts and figures against the sources, and I am happy to put my name to it.

Where the facts come from

Tax rates, allowances, thresholds and deadlines are taken from primary sources wherever possible:

• GOV.UK guidance and HMRC manuals
• Budget and Autumn Statement documents, and the legislation behind them
• Regulators and official bodies, such as the FCA, the Financial Ombudsman Service and MoneyHelper
• Providers' own websites for fees, rates and terms

Guides link to the sources they rely on, so you can check them yourself. Where a figure comes from a survey or a third-party comparison, the guide names it and the date.

How the calculators are checked

Every calculator uses the rates for the tax year it says it covers. The sums behind them are tested automatically against worked examples before each update goes live, including edge cases such as the personal allowance taper above £100,000 and the Scottish income tax bands. Nothing you type into a calculator is stored or sent anywhere.

Keeping guides up to date

• Every guide shows the date it was last updated.
• Tax guides and calculators are reviewed before each new tax year starts on 6 April, and after each Budget.
• Reviews show the month their figures were last checked. Providers change prices often, so always check before you sign up.
• Where a known change is coming, such as the trading allowance rising to £3,000 from 6 April 2027, guides say what applies now and what changes, with the date.

Figures are for England, Wales and Northern Ireland unless a guide says otherwise. Scottish income tax bands are different, and guides point this out where it matters.

Spotted a mistake?

Please get in touch and tell me which page and what looks wrong. I check every report, fix confirmed errors as quickly as I can, and update the date on the guide. If a correction changes a figure or an answer in a meaningful way, the guide says what changed.

Independence and money

Some links on the site may be affiliate links, which pay a commission if you sign up, at no cost to you. A commission never decides what is recommended or how a product is scored. Read how we review and score and the disclaimer.

Not personal advice

Everything here is general information to help you understand your options. It is not personal financial, tax or legal advice. For your own situation, speak to HMRC, a qualified accountant, or a regulated financial adviser. For free debt help, see free debt help in the UK.

Last updated 11 November 2026.