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Financial Literacy Series · October 2026 edition, 2026/27 rates

UK money rules changed in 2026. Your guides should too.

Plain-English PDF guides and ready-to-use Excel tools for property, side hustles, company deadlines, debt, scams, startups and charities. Each one is dated and written against GOV.UK, so you know it is current.

Products
55
Vaults
11
Each
£9–£29
Rates
2026/27

The vaults

One money problem, five tools

Buy a single guide or tool, or the whole vault for about a third less.

  • VAULT 01First-time buyers and new landlords

    The Property Ladder Vault

    Know your real number: deposit, stamp duty, fees and all.

    The Renters' Rights Act took effect on 1 May 2026.

    • First Home Countdown Excel£19
    • LISA, Explained Before It Changes PDF£9
    • Landlord Profit Reality Check Excel£24
    • Renters' Rights Act Landlord Playbook PDF£14
    • Buy Together, Stay Friends PDF + Excel£17

    £55 £83 Save £28

    View vault
  • VAULT 02Side hustlers and new sole traders

    The Launch Vault

    Go from side hustle to properly set up, without a tax shock.

    Making Tax Digital started in April 2026. Dividend tax went up.

    • Go Limited? Take-Home Calculator 2026/27 Excel£19
    • Side Hustle to Legit Business in 30 Days PDF£14
    • Tax Pot & MTD Quarter Tracker Excel£17
    • VAT Threshold Watchdog Excel£9
    • Funding-Ready Business Plan Kit PDF + Excel£24

    £55 £83 Save £28

    View vault
  • VAULT 03Limited company directors

    The Compliance Vault

    Stay ahead of every filing deadline and penalty.

    ID verification ends 18 Nov 2026. CT600 penalties doubled in April 2026.

    • Director's Deadline Engine Excel£19
    • ID Verification Survival Guide PDF£9
    • Year-End Without Panic PDF + Excel£24
    • First Hire Kit PDF + Excel£19
    • Penalty Shield PDF£12

    £55 £83 Save £28

    View vault
  • VAULT 04Charity founders and new trustees

    The Charity Starter Vault

    Set up right, register first time, claim every pound.

    Examination and audit thresholds changed on 30 Sep 2026.

    • Charity Launchpad: Structure Decision Kit PDF£19
    • Charity Compliance Calendar & Threshold Checker Excel£24
    • Gift Aid & GASDS Maximiser Excel£17
    • Trustee Duties in Plain English PDF£12
    • Small Charity Accounts Kit: SORP 2026 PDF + Excel£29

    £59 £101 Save £42

    View vault
  • VAULT 05Anyone juggling cards, BNPL or loans

    The Debt-Free Vault

    A clear order of attack for every debt you have.

    Buy now, pay later became FCA-regulated on 15 July 2026.

    • Debt Destroyer: Snowball vs Avalanche Excel£17
    • Which Debt Solution? DMP, IVA, DRO, Bankruptcy PDF£14
    • Credit Score Comeback Plan PDF + Excel£19
    • Student Loan Truth Calculator Excel£12
    • Director's Debt Survival Kit PDF + Excel£29

    £59 £91 Save £32

    View vault
  • VAULT 06Job seekers, creators and side hustlers

    The Privacy Vault

    Clean up what's out there and take control of your data.

    New UK data law took effect in 2026.

    • Hire-Ready Digital Footprint Audit PDF + Excel£17
    • Data Rights Letter Pack PDF£14
    • Disappear from Data Brokers: UK Opt-Out Tracker Excel£12
    • Scam-Proof Me: Identity Protection Playbook PDF£12
    • Side Hustle Data Compliance Kit PDF + Excel£24

    £49 £79 Save £30

    View vault
  • VAULT 07Everyone, plus small businesses

    Scam-Proof Money Pack

    Spot the scam before the money moves.

    Action Fraud is now Report Fraud, with new rules on bank-transfer scam refunds.

    • Scammed? The 72-Hour Recovery Playbook PDF£12
    • Red Flag Field Guide: 12 UK Scams Decoded PDF£9
    • Supplier Bank-Change Verifier Excel + PDF£19
    • SME Fraud Risk Assessment Workbook Excel£24
    • Card & Account Monitor Excel£9

    £49 £73 Save £24

    View vault
  • VAULT 08Small businesses without a finance team

    Finance Manager in a Box

    The monthly numbers a finance manager would give you.

    Employer NI is 15% and the minimum wage is £12.71 an hour.

    • 13-Week Cash Flow Command Centre Excel£24
    • Credit Control Kit Excel + PDF£15
    • Management Accounts & KPI Pack Excel£29
    • True Cost of Hiring & Pricing Calculator Excel£19
    • The SME Finance Manager's Playbook PDF£15

    £59 £102 Save £43

    View vault
  • VAULT 09Startup founders, pre-seed to Series A

    Founder's Finance Stack

    Investor-ready numbers from day one.

    EIS and EMI limits rose on 6 April 2026.

    • Burn & Runway Dashboard Excel£19
    • Investor-Ready 3-Statement Model Excel£29
    • Cap Table & Dilution Simulator Excel£24
    • Founder Pay Optimiser 2026/27 Excel£15
    • UK Startup Finance Field Guide 2026 PDF£15

    £59 £102 Save £43

    View vault
  • VAULT 10Owners thinking about selling or exiting

    Know Your Number Exit Bundle

    What your business is really worth, and what you'd keep.

    Business Asset Disposal Relief rose to 18% in April 2026.

    • Business Value Calculator Pro Excel£29
    • Exit Tax Estimator: BADR & CGT Excel£19
    • The True Value Guide PDF£14
    • Sale-Ready Scorecard Excel£17
    • Shareholder Exit & Divorce Valuation Handbook PDF£19

    £59 £98 Save £39

    View vault
  • VAULT 11Treasurers, trustees and grant-makers

    Trustee Finance Toolkit 2026

    Read any charity's accounts and spot trouble early.

    SORP 2026 applies to periods starting on or after 1 Jan 2026.

    • Charity Accounts Health-Check Scorer Excel£29
    • Which Rules Apply to Us? 2026 Checker Excel£12
    • Read Your Charity's Accounts in 60 Minutes PDF£14
    • Reserves Policy Builder Excel + PDF£19
    • SORP 2026 Briefing & Going-Concern Toolkit PDF + Excel£19

    £59 £93 Save £34

    View vault

Everything Vault

All 11 vaults, all 55 products

For accountants, bookkeepers, business advisers and anyone who wants the full library. Every guide and every Excel tool in the series, in one download.

£199

£988 bought separately · save £789

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    Every vault has a Start Here guide with a 30-day plan, so you know what to do first.

Questions

Frequently asked

Is this financial advice?

No. The guides and tools are general information for people in the UK. They help you understand the rules and run your own numbers. For advice on your own situation, speak to a qualified adviser or accountant.

What do I need to open the files?

Guides are PDFs that open on any phone or computer. Tools are Excel workbooks built for Microsoft Excel; most also work in Google Sheets and Apple Numbers.

Which parts of the UK do they cover?

Tax and company rules cover the whole UK unless stated. Where rules differ, such as stamp duty, Scottish income tax, renting and charity regulation, each product says which nations it covers.

How current are they?

Every product is dated (October 2026 edition, 2026/27 rates). The Excel tools keep their rates on a separate tab, so they are easy to update when HMRC changes them.

Can I share the files with my team or clients?

Each purchase is licensed for the buyer’s own use. Accountants and advisers who want to use them with clients can get in touch about a practice licence.

General information, not financial, tax or legal advice. Figures are correct to the best of our knowledge at the edition date; check GOV.UK before you act.

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