Menu

Transparency

Sources and updates

A public record of the evidence, assumptions and material changes behind Money Considered tools, calculators and articles.

Interactive tool

Financial Future Explorer

Sources, assumptions and projection method

View method
Property data

Home Check

Live Land Registry sales and planning data, plus postcode-to-local-authority £/m² benchmarks indexed to June 2026; method reviewed 25 August 2026

Run a postcode check
Interactive data

Inflation Across UK Households

ONS Household Costs Indices, January 2022 to March 2026

Explore the map
Interactive screener

Low Coupon Gilts

104 conventional and index-linked gilts in issue, UK DMO at 21 August 2026

Compare gilts
Interactive data

Financial Distress by Area

Insolvency Service local statistics, 2015–2025

Explore the map
Interactive data

The Financial Geography of the UK

ONS ASHE 2025, private rents to June 2026 and 2026–27 tax rules

Explore the map
Interactive data

Saving and Borrowing Rates

Bank of England effective household rates, December 2020 to June 2026

Explore the history
Interactive data

Household Spending Across the UK

ONS Family Spending, financial year ending 2025 and three-year regional and age averages

Explore household spending
Interactive data

The European Housing Squeeze

Eurostat EU-SILC housing pressure estimates, 2015–2024

Explore the map
10

Mortgage Overpayment vs Invest

Sources, assumptions and calculation method

View method
14

Salary Sacrifice Calculator

Sources, assumptions and calculation method

View method
17

Property Purchase Tax Calculator

Sources, assumptions and calculation method

View method
18

Capital Gains Tax Calculator

Sources, assumptions and calculation method

View method
24

Tax Cliffs & Extra Work Lab

Sources, assumptions and calculation method

View method
25

Pension Allowance & Carry-Forward

Sources, assumptions and calculation method

View method
27

Sell, Let or Buy-to-Let Lab

Sources, assumptions and calculation method

View method

Education

Article sources stay with the explanation

Each of the 36 published articles links directly to its principal evidence and records the date it was reviewed. This keeps a claim, its context and its source together.

Browse the article collection

Current facts register

Time-sensitive figures in one place

These figures are reused across articles and tools so that a rule or rate has one maintained source of truth. They were last checked on 20 August 2026.

TopicCurrent valueEffectivePrimary sourceReview trigger
Premium Bonds — current draw3.80% prize-fund rate; 22,000 to 1 odds per £1 bondJuly and August 2026 drawsNS&I — Historical interest rates Every announced NS&I prize-fund or odds change
Premium Bonds — announced change4.35% prize-fund rate; 21,000 to 1 odds per £1 bondSeptember 2026 drawNS&I — Historical interest rates At the September 2026 draw or an earlier NS&I announcement
FSCS standard deposit protection£120,000 per eligible person, per authorised firm1 December 2025FSCS — Deposit protection limit increase Any PRA or FSCS limit change
Full new State Pension£241.30 a week2026/27 tax yearGOV.UK — The new State Pension Each April uprating or a policy change
Student-loan repayment thresholdsPlan 1: £26,900; Plan 2: £29,385; Plan 4: £33,795; Plan 5: £25,000; Postgraduate Loan: £21,0002026/27 tax yearGOV.UK — What you repay Every 6 April or a Student Loans Company rule change
Student-loan interest rates — current and announcedCurrent: Plans 1, 4 and 5 3.2%; Plan 2 3.2% to 6.2%; Postgraduate Loan 6.2%. From September 2026: Plans 1 and 5 4.1%; Plan 2 4.1% to 6.0%; Plan 4 4.1% expected; Postgraduate Loan 6.0%.to 31 August 2026; announced 1 September 2026 to 31 August 2027GOV.UK — Student-loan interest-rate announcement Every published Student Loans Company interest-rate change
ISA subscription limit£20,0002026/27 tax yearGOV.UK — Individual Savings Accounts Every 6 April or a Budget announcement
Lifetime ISA£4,000 annual contribution; 25% bonus; £450,000 property limitRules in force on the review dateGOV.UK — Lifetime ISA Any announced first-home ISA or withdrawal-rule reform
First-time buyer SDLT relief0% to £300,000; relief available on homes up to £500,000Rules in force on the review dateGOV.UK — Residential property rates Any Budget or HMRC residential-rate change

Evidence register

Core sources

Tool-specific references appear on each methodology page. These sources support definitions, consumer guidance, regulatory boundaries and common assumptions used across the collection.

Financial guidance and regulatory boundaries

FCA — Advice or information MoneyHelper — Emergency savings MoneyHelper — How to prioritise your debts

Property intelligence and Home Check

HM Land Registry — Price Paid Data HM Land Registry — UK House Price Index UCL / London Datastore — House price per square metre Planning Data — API documentation Postcodes.io — Data licences

Tax, housing and investment rules

GOV.UK — Stamp Duty Land Tax GOV.UK — Tax and allowable expenses when renting out property HMRC — Residential landlord finance-cost relief HMRC — Property-income tax rates from April 2027 GOV.UK — Private Residence Relief after letting a home GOV.UK — 2026–27 tax and NI thresholds GOV.UK — Individual Savings Accounts GOV.UK — Tax on pensions

Savings protection and product rules

NS&I — Premium Bonds NS&I — Historical interest rates FSCS — Deposit protection limits

Gilts and bond-market tax

UK DMO — Gilts in Issue UK DMO — About gilts HMRC — Gilts exempt from Capital Gains Tax HMRC — Accrued Income Scheme Bank of England — UK yield curves

Household spending, inflation and accessibility

ONS — Family Spending, April 2024 to March 2025 ONS — Household Costs Indices for UK household groups ONS — Consumer price inflation W3C — WCAG 2.2

Pay, rent and household rates

ONS via Nomis — Annual Survey of Hours and Earnings ONS — Private rent and house prices, July 2026 Bank of England — Effective interest rates

European earnings, housing and wealth

Eurostat — Annual net earnings Eurostat — Housing-cost overburden Eurostat — Overcrowding rate ECB — Distributional Wealth Accounts

European prices and retirement

Eurostat — Price level indices Eurostat — Aggregate pension replacement ratio Eurostat — Gender pension gaps Eurostat — Poverty risk for retired people

Updates and corrections

Material changes remain visible

We record corrections that change the meaning of a claim, result, assumption or user decision. Minor spelling and presentation changes are not listed.

Premium Bonds figures corrected and future change added

The article had continued to show the April 2026 prize-fund rate of 3.30% and odds of 23,000 to 1. It now identifies the current July 2026 figures of 3.80% and 22,000 to 1, and separately labels the announced September 2026 change to 4.35% and 21,000 to 1.

FSCS standard deposit limit corrected

Legacy article copy referred to the former £85,000 standard limit. The maintained facts register now states £120,000 per eligible person, per authorised firm, effective from 1 December 2025.

Legacy article layer retired

Sixteen articles were moved to their reviewed, source-backed versions after an older archive was found to be overriding the maintained copy. Titles, claims, review dates and structured data now come from the same published record.

Editorial policy

How the Money Considered Editorial Team publishes

Collective authorship. Articles use “Money Considered Editorial Team” as their byline. It identifies the team responsible for research, writing, review and maintenance without attaching an individual’s name to the site.

Evidence first. Rules, rates and official statistics are checked against primary sources such as GOV.UK, regulators, statutory bodies and original datasets. Supporting consumer guidance is normally drawn from independent public-interest organisations.

Meaningful review dates. An article’s reviewed date changes only when its claims and sources have been checked in context or its content has been materially revised. Publication and modification dates are stored separately in article structured data.

Triggered maintenance. Time-sensitive figures are assigned a review trigger, such as the start of a tax year, an announced product-rate change or a new statistical release. The current facts register makes those triggers public.

Corrections and independence. Material corrections remain visible above. Money Considered is an independent pro-bono project with no advertising, affiliate links, product commissions or paid placements.