Pick a perk. Read the story. Get the numbers. Use our tips to maximise it.
The full £500 goes in. You never pay the 40% tax or 2% NI.
Earn £100k–125k? You're paying 62% marginal tax and don't know it.
Tax-free growth forever. No CGT, no dividend tax. £20k/yr allowance.
Put in £4k, government adds £1k. First home or retirement.
3% BiK vs 37% petrol. Insurance and maintenance included.
Pension down to keep it. Never opt out — the NI credits are vital.
Government tops up 20% of your childcare costs automatically.
5 minutes online. £252/yr ongoing + backdate 4 years.
First £7,500 from a spare room is completely tax-free.
42% off + save £2,400/yr on commuting. With comic strip guide.
Charity gets 25% more. Higher-rate taxpayers reclaim on top.
£6/week flat rate + membership fees. Backdate 4 years.