The Clear Sum

Guides

The reasoning behind each calculator, written out in full — for when you want the why, not just the number.

Take-home pay, explained

How income tax, National Insurance and student loans actually reduce your salary.

Statutory redundancy pay, explained

How age, length of service and your weekly pay cap combine to set your payout.

Maternity & paternity pay, explained

How the 90% rate, the statutory cap and the 39-week structure work.

Stamp Duty Land Tax, explained

The banded rates, first-time buyer relief, and the extra-property surcharge.

Pension withdrawal tax, explained

Why a big withdrawal can push you into a higher tax band than you expect.

Notice periods & holiday entitlement, explained

The statutory minimums your employer has to meet, whatever your contract says.

How compound interest actually works

Why starting early and contributing regularly matters more than the rate itself.

Each guide links straight through to the matching calculator, so you can read the explanation and work your own numbers on the same page.