Learning Hub
UK money rules, explained simply.
Question of the day
Why do people typically open a GIA?
Tools →
Calculators that need nothing but the figures you type. The sums run in your browser.
Compound interest
What a sum grows to at a rate over the years, and how much of that is interest on interest.
Required return rate
The return needed to reach a target from where you are.
Cost of fees
What a percentage fee quietly takes over a lifetime of investing.
Net worth by age
Where a net worth sits against the UK by age band.
Take-home pay
What a UK salary leaves after income tax, National Insurance, student loan and pension.
Sole trader tax calculator
Trading profit through the allowance or real expenses, Class 2/4 National Insurance, income tax and next year's payments on account.
IR35: inside vs outside
The same contract, taxed as a deemed employee against run through your own limited company.
Emergency fund
How many months of cash you need, from how replaceable your income really is.
Arcade →
Short games that each teach one rule. Keyboard or touch, nothing saved.
Compound
Why the year you start beats the amount you put in.
Catch the Match
The employer's pension money only falls if yours does.
Snowball vs Avalanche
Two orders to pay off debts: one saves more, one is easier to stick with.
30-Day Rule
Sell and buy back within 30 days and HMRC matches the two, not the shares you bought years ago.
Cliff Edge
Above £100,000 each extra pound of pay can cost about 60p, and childcare support goes over a cliff.
Runway
An emergency fund is judged on the worst month, not the best rate.
Blog →
Building Foliopeak, and what's changing in UK money.
Building Foliopeak: September 2026
The biggest changes in September, in short: Summit, a debt-free date, Tax in one place, Solo and Partner, a Business section, the retirement overview, the family map and safer sign-in.
30 Sept 2026
Inside the Learning Hub, and what else a free account gets you
Every account type and tax rule Foliopeak tracks, explained the way a friend would, each ending in an arcade game rather than a quiz form. Free, and only part of what a free account gets.
16 Sept 2026
Why we built Foliopeak
Most net worth trackers either connect to your bank or stop at a single balance number. We wanted something in between.
31 Aug 2026
Inside Foliopeak
The full Learning Hub: every article, the paths and the arcade, with your progress kept.
Foliopeak is invite-only while we test it. Leave your email and we will tell you when it opens.
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One email, when the doors open. Nothing else unless you ask for it.