Point your money in the right direction.
Free calculators and clear guides to pensions, savings, tax and retirement — built around your numbers, for people in the North East.
Written by financial planning professionals born and bred in the North East. Nothing here is personal advice — and nothing is behind a paywall.
General financial education, not personal financial advice. Figures are estimates based on 2026/27 rules for England, Wales and Northern Ireland.
Do the sums.
Take-home pay band by band, with pension contributions, allowance taper and Marriage Allowance built in.
Model a disposal including reliefs, losses, and gains straddling the basic-rate band.
Nil-rate bands, residence NRB taper, transferable allowances and gifts within seven years.
Seven steps to check whether your pensions, ISAs and savings support the life you want.
9 topics, in plain English.
From the first pound you save to what happens to it after you're gone.
The groundwork everything else sits on — and whether you need help with it.
The part of a plan that only matters when everything else has gone wrong.
The single most tax-efficient thing most people will ever do.
Wrappers, holdings and how the two fit together.
The rules everyone has to work with — and the levers that matter most.
What passes on, to whom, and how much of it reaches them.
Turning a lifetime of saving into money to live on.
Three schemes, one career, and a tax charge nobody warned you about.
A wrapper with its own tax rules, and a withdrawal trap that costs people thousands.
Good money guidance shouldn't be a luxury.
Most people never sit down with a financial planner. The jargon is off-putting, the fees feel like they're for someone else, and so the big questions — am I saving enough, when can I retire, will the tax man take a chunk — just sit there unanswered.
Due North Money is written by experts born and bred in the North East, and it exists to share as much knowledge as possible so that people across the region can feel more confident about their finances.
Our calculators show you your own numbers, not someone else's worked example.
None of it is financial advice. The tools and guides are here to help you understand your position and ask better questions.
And for anyone who'd like a bit more of a helping hand, Due North Money can connect you to excellent advice firms — all FCA-regulated and completely independent.
When something happens.
Some money questions arrive because you went looking. Others arrive because something happened.
Deposits, the Lifetime ISA trap, and the protection nobody mentions until completion.
The Child Benefit form that's worth thousands, and the cover that suddenly matters.
It revokes your will, unlocks two tax allowances, and changes what happens if one of you dies.
The tax you'll owe later, the safety net you've just lost, and the two dates that matter.
What to sort out first, the tax on your payment, and the pension decisions not to rush.
Pensions, the house, and the paperwork that quietly still names your ex.
What you'll owe, what you won't, and why the best first move is usually to do nothing.
How care is funded, what the means test counts, and the things to sort before capacity goes.
The practical order of things, what has a deadline, and what can safely wait.
Latest reading.
10 Questions to Ask Before You Retire
A straightforward checklist covering income, tax and lifestyle questions to work through before you retire. Free, no strings — just leave your email.