The Most Up to Date Figures for the Book

Average UK Salary per year, but also do hourly equivalent (p. 32, 40)

Part-time age limit 13 (p. 33)

Minimum wage per age hourly, but also do annual equivalent (p. 33, 40, 41)

Apprentices' minimum wage (p. 33, 38)

Apprenticeship minimum age 16 (p. 38)

Apprentices should be studying for at least 20% of their contracted hours (p. 38)

Apprentices get a minimum of 20 days of holiday per year (p. 39)

University undergrad annual fees (p. 39)

Tax-free redundancy pay allowance £30k (p. 43)

Performance improvement plan must be at least 6 months long (p. 44)

Automatic pension enrolment age is 22 (p. 54)

Lower Earnings Threshold is £6,240 (p. 54)

Legal minimum employer contribution 3% (p. 54)

Legal minimum combined contribution 8% (p. 54)

Minimum holiday allowance is 5.6 weeks, or 28 days (p. 58)

Statutory sick pay is £109.40 per week (p. 59)

Statutory sick pay can last up to 26 weeks (p. 59)

Statutory paternity leave is 2 weeks, paid at £172.48 or 90% of weekly salary if that is lower (p. 59)

Statutory paternity leave is up to 39 weeks, where the first 6 weeks are paid at 90% of her salary, and beyond that at £172.48 or 90% of weekly salary if that is lower (p. 59)

Personal allowance is £12,570 (p. 66, 67, 68, 72)

Basic Rate is 20% on everything between your Personal Allowance and £50,270 (p. 66, 67)

Higher Rate is 40% on everything between the Basic Rate and £125,140 (p. 66, 67)

Your personal allowance erodes by £1 for every £2 you earn over £100,000 (p. 67, 72)

Additional Rate is 45% on everything above the Higher Rate (p. 67)

Marriage Allowance is £1,260 (p. 68)

Blind Person's Allowance is £3,070 (p. 68)

Scottish income taxes (p. 68)

National Insurance stats (p. 69)

Employer National Insurance is 13.8% (p. 69)

You need to have contributed 35 full years' worth to receive full state pension (p. 70)

This chapter has no variable figures.

Basic Rate is 20% (p. 98)

VAT is 20% (p. 104)

VAT threshold is £90,000 (p. 105)

Corporation tax stats (p. 106)

Income tax stats (p. 106, 107)

Your personal allowance erodes by £1 for every £2 you earn over £100,000 (p. 107)

Dividend tax bands (p. 107)

State retirement age is 67 (p. 108)

NI threshold is £12,570 also (p. 108)

Class 2 NI applies to business that have made less than £6,725 profit (p. 108)

Class 2 is a flat rate of £3.45 per week, or £179.40 per year (p. 108)

Class 4 charged on profit between £12,570 and £50,270 at 6% (p. 108)

Class 4 NI is 2% on profits above £50,270 (p. 108)

If you draw a salary from your company, you'll be liable to paying NI at 8% between £12,570 and £50,270, and 2% on anything above that (p. 108)

Employers have to pay NI of 13.8% on salaries above £9,100 (p. 108)

Earn more than £1,000 from property as a UK landlord (p. 110)

Earn more than £50,000 per year (p. 110)

Employment income is over £150,000 (p. 111)

Penaltuy for a late tax return is up to £100 if it is up to three months late (p. 111)

Maximum is £486.98 per week for a family living in London, which equates to £23,323 per year (p. 117)

For every £1 you earn in excess , your payments will go down by 55p (p. 118)

This chapter has no variable figures.

Typical overdraft APR: 20% to 40% (p. 219)

Typical credit card APR: 10% to 35% (p. 220)

Typical bank loan APR: 5% to 10% (p. 221)

Typical peer-to-peer APR: 7% to 30% (p. 222)

Typical payday APR: 1,250% (p. 223)

The FCA has capped payday lenders' rates at 0.8% per day (p. 223)

Typical PCP APR: 5% to 10% (p. 224)

Typical HP APR: 10% to 15% (p. 224)

Typical Buy Now, Pay Later APR: 0% to 36% (p. 226)

Typical student loan APR: 6.25% to 7.3% (p. 227)

The annual undergraduate tuition fees in the UK are £9,250 (p. 228)

The annual maintenance loan in the UK ranges from £3,698 to £13,022 (p. 228)

Typical mortgage APR: 5% to 8% (p. 228)

** Student loan repayment thresholds and plans (p. 232)

This chapter has no variable figures.

This chapter has no variable figures.

If you owe less than £30,000, you can apply for a DRO (p. 249, 254)

The DRO application fee is £90 (p. 249, 255)

Lenders can declare you bankrupt if you owe more than £5,000 (p. 249)

When bankrupt, you cannot borrow more than £500 without declaring your bankruptcy (p. 250)

Under the 'Debt Respite Scheme' you can get 60 days of protection (p. 254)

To apply for a DRO, you must have less than £2,000 in assets (p. 254)

To apply for a DRO, you must have less than £75 in spare income at the end of each month (p. 254)

To apply for a DRO, you cannot have applied for one in the last 6 years (p. 254)

A DRO will mean you don't have to make payments for 12 months (p. 255)

When with a DRO, you cannot borrow more than £500 without declaring your DRO (p. 250)

To apply for an Administrative Order, you must owe less than £5,000 (p. 256)

This chapter has no variable figures.

This chapter has no variable figures.

This chapter has no variable figures.

The annual ISA allowance is £20,000 (p.354, 356, 375)

The annual LISA allowance is £4,000, and will receive a 25% bonus (p. 355)

You must be between 18 and 40 to contribute into a LISA (p. 356)

The annual Junior ISA allowance is £9,000 (p. 357)

A LISA recipient will be able to manage the investments at 16, and withdraw money from 18 (p. 357)

The British ISA annual allowance is set to be £5,000 (p. 358, 375)

Capital gains tax allowance is £3,000 (p. 374)

Basic rate is paid up to £50,270 (p. 375)

10% tax is charged on capital gains above the tax-free allowance if you are within the basic rate band (p. 375)

20% tax is charged if your annual income falls within the higher rate tax band or above (p. 375)

Capital gains tax on additional property is 24% (p. 375)

The dividend tax-free allowance is £500 (p. 376)

The personal allowance is £12,570 (p. 376)

** Dividend tax bands and rates (p. 377)

The starting rate is £17,570, an additional £5,000 (p. 377)

The basic rate interest allowance is £1,000 (p. 377)

The higher rate interest allowance is £500 (p. 377)

** Stamp duty rates for additional property (p. 378, 379)

** LTT rates for additional property (p. 380)

The rental income tax-free allowance is £1,000 (p. 380)