Guides
UK personal finance, written for people doing well
Long-form, sourced, no SEO bait. Tax bands cite gov.uk and are dated. Wealth data cites the ONS. Anything I can’t cite, I don’t publish. New guides land here as I write them; the four below are the current set.
Average UK net worth by age — 2026 benchmarks
The actual numbers from the ONS Wealth and Assets Survey:
25-34 £66k → 35-44 £196k → 45-54 £364k → 55-64 £575k.
Why the curve is so steep, what’s included in the
wealth figure, and the all-important means-vs-medians
caveat before you read any conclusion off the numbers.
Read →
What is total compensation in the UK?
Base, bonus, employer pension, employee pension, RSUs and
BIK — the six UK components and how they ladder into a
real total comp figure. Worked examples at £90k and £110k,
the £100k 60% trap explained, and how pension salary
sacrifice claws back ~£5,000 of cash for every £10,000
extra routed into pension.
Read →
How to track multiple UK pension pots
If you’ve changed jobs more than twice, you almost
certainly have multiple pots. The three honest options —
consolidate, leave-and-track, or do nothing — with the
trade-offs and the £30k threshold where regulated
advice becomes legally required.
Read →
Best Moneyhub alternative UK (2026)
Moneyhub’s consumer app decommissions 14 August
2026. Different answer depending on whether you used it
for budgeting (Snoop Plus, Emma, Monzo Extra) or for net
worth and pensions (genuinely thin market — PocketSmith,
spreadsheet, or No More Winging It). Plus the exact
data-export how-to.
Read →
