Reviewed by , LLM (UK), CFP®·Last updated: August 2026

Editorial Policy

People make real decisions about tax, pensions and property on these numbers. This page sets out how they are produced, checked and corrected, so you can judge whether to trust them.

Last reviewed: August 2026

Who writes and reviews this

Every calculator and article on this site is written and reviewed by Alexandre Bernier, LLM (UK), CFP®, CIM®, PFP®, a financial planner with 18 years in banking and wealth management and a UK master of laws. There is no anonymous editorial team: one named person is accountable for the figures, and their credentials can be independently verified through the registries linked on their author page.

Content is not produced by unreviewed automation. Where tooling is used to draft or check calculations, the output is verified against the official source and against an automated regression suite before it is published.

Where the numbers come from

Every rate, threshold and allowance is taken from a primary official source before publication, never from another website's summary. Where two sources disagree, the one higher in this list wins:

  1. 1
    HMRC

    Rates, thresholds, allowances and the employer guidance tables.

  2. 2
    GOV.UK

    Everything else in reserved UK policy: benefits, ISAs, State Pension.

  3. 3
    Scottish Government

    Scottish income tax rates and bands.

  4. 4
    Revenue Scotland

    LBTT and the Additional Dwelling Supplement.

  5. 5
    Welsh Revenue Authority

    Land Transaction Tax.

  6. 6
    Department for Work and Pensions

    State Pension age timetable and uprating.

  7. 7
    Bank of England

    Base rate and inflation data.

  8. 8
    MoneyHelper

    Consumer-facing explanations, used for framing only, never for a rate.

  9. 9
    Financial Conduct Authority

    Regulatory rules such as mortgage affordability stress testing.

Each calculator lists the specific official pages behind its figures in a Sources section at the foot of the page. Every UK tax constant lives in a single dated configuration file with its source URL beside it, so a figure cannot be updated in the calculation and missed in the copy , which is exactly how an out-of-date stamp duty threshold once survived on this site.

Where a figure has not been confirmed against an official source, we say so on the page rather than presenting it as verified.

When it gets reviewed

UK rates do not all change on the same day, so a single annual review is not enough. The site runs on a fixed annual cycle plus event-driven updates:

Every April

The full annual sweep at the start of the new tax year. Every rate, threshold, allowance, page title, FAQ answer and JSON-LD date is checked against its official source using the annual rates checklist.

Budget day, and any fiscal event

Announcements are read the same week. Anything taking effect immediately is applied immediately; anything with a future start date is added to the forthcoming-changes notices rather than silently applied early.

1 September

Student loan interest rates reset in September, not April, so they get their own review date. Plan 2 tiering and any announced caps are re-checked against the GOV.UK interest-rate page.

Scottish Budget (December/January)

Scottish income tax rates and bands are set separately from the UK Budget, on a different timetable. Revenue Scotland LBTT changes are checked at the same time, as are Welsh Government LTT rates.

March/April

Council tax figures are re-sourced when MHCLG publishes the new Band D live tables for England.

Current tax year applied across the site: 2026/27. Calculators that use figures on a different cycle, such as student loan interest and council tax, label their own effective period.

Corrections

Errors get fixed, visibly. If you find one, please report it. Reports are triaged within the same week.

  • Wrong figure or calculation: corrected as a priority, and the page's last-updated stamp and structured data are refreshed at the same time.
  • Material corrections, meaning anything that would have changed a reader's number, carry a visible correction note on the page saying what was wrong and when it was fixed. We do not quietly edit a figure and leave the page looking as though it was always right.
  • Every calculation is covered by an automated regression test. When a bug is fixed, a named test case for that specific defect is added, so the same error cannot return unnoticed in a later update.

Independence and limits

FinanceToolz is free to use. No calculator result is influenced by a commercial relationship: there are no paid placements, no lead generation, and no product recommendations anywhere on the site.

We are not authorised or regulated by the Financial Conduct Authority. Everything here is general information and educational content, not regulated financial advice and not a personal recommendation. Calculators simplify: they cannot see your full circumstances, and edge cases such as unusual tax codes, trusts, non-domicile status or complex pension protections are outside their scope. For decisions that matter, speak to an FCA-authorised adviser or a qualified accountant.