Personal Ledger
Tools and insights that decode the UK financial system — payslips, tax codes, student loans, pensions, budgeting — so you actually understand where your money goes.
3 minutes · Every Tuesday · Free
Free. First issue coming soon. Unsubscribe any time.
What you get
Every Tuesday, one insight about UK money that most people miss. Here's what a typical issue looks like.
If your workplace pension uses relief at source instead of salary sacrifice, HMRC adds 20% tax relief into your pot automatically. Good.
But if you're a higher-rate taxpayer, you're owed an additional 20% back — and HMRC doesn't chase you for it. You have to claim it through Self Assessment or by calling them directly.
Most people don't. HMRC estimates £800 million in higher-rate pension relief goes unclaimed every year.
Every threshold you need on one page. Income tax, NI, student loans, ISAs, pensions. Updated every April.
Download free →No signup required. Yours to keep.
The Store
Practical financial tools built for the UK system. Payslips decoded, budgets tracked, property deals stress-tested. Each one solves a single, specific money problem.
Browse the store →The Journal
A weekly piece of UK money clarity — what changed, what it means for you, and what to do about it. Plus first sight of every new tool before it hits the store.
Subscribe to the journal →Why this exists
Every budgeting app wants to know about your 401(k). Every salary calculator assumes federal tax. Try sorting your money out online and you'll spend half the time translating.
Personal Ledger is built around the system you actually live in — PAYE, tax codes, Plan 2 loans, auto-enrolment, ISAs. The tools work the way UK money works. The journal explains what's changing and what it costs you.
That's it. That's the whole idea.
3 minutes every Tuesday. Tools that actually work for UK money.