UK · Tax year 2026/27

Money, explained in plain English.

MoneyBySharma is a free UK personal-finance information site. Clear guides to savings, ISAs, pensions, mortgages and gilts – with simple calculators and every figure linked to its official source.

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Today's key numbers

3.75%Bank of England Bank Rate, since 18 December 2025. BoE data as at 9 October 2026.
£20,000ISA allowance 2026/27. GOV.UK
0 1/8% Treasury Gilt 2028A real low-coupon gilt: 0.125% coupon, matures 31 January 2028 (ISIN GB00BMBL1G81). DMO, close of business 9 October 2026. Example only, not a recommendation.
New · Illustrated guide

How money works, in pictures

Where money comes from, what the Bank of England does, why prices rise – and what it all means for your savings, mortgage and investments. Ten simple steps.

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Guides

Guide

Savings

Easy access, fixed bonds, cash ISAs, regular savers, FSCS protection and how savings interest is taxed.

 Guide

Investments

Stocks and shares ISAs, SIPPs, index funds and how platform fees work.

 Guide

Mortgages

Fixed vs tracker, when to look at remortgaging, and how repayments are worked out.

 Guide

Gilts

What UK government bonds are and why low-coupon gilts can be tax-efficient.

 Guide

Pensions

The State Pension, workplace pensions, SIPPs and why starting young matters so much.

 Guide

Energy

The Ofgem price cap, fixed vs variable deals, solar panels and home batteries.

 Guide

Electric cars

Running costs, vehicle tax, company-car tax and the road to 2035.

 Reference

Jargon buster

A searchable A–Z of around 60 money terms.

 Resources

Downloads & tools

Sharma Simplified packs and the upcoming Money Matters cheat sheet.

Calculators

Gilt vs savings after tax

Gross redemption yield, net yield for your tax band and the equivalent savings rate.

Mortgage repayments

Repayment or interest-only, optional overpayments and a balance chart.

Platform fee impact

Compare a percentage fee with a flat fee over the years.

Start age vs pot at 67

See how the age you start saving changes your pension pot, after fees and inflation.

Home battery payback

Charge cheap overnight, use at peak: annual saving and payback.

EV charging cost

Home vs public charging cost per mile and per year.

Weekly best 3 rates – by email

A short weekly email listing the three highest AERs we've checked. Coming soon – the form below is switched off and collects nothing.

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