About Andrew
Andrew is a Northern Ireland business owner who built Sumly to make UK money maths simple and free. He is also a husband and father.
Every guide on Sumly is written to explain UK money questions in plain English, with worked examples you can check yourself. Figures are checked against official sources such as GOV.UK and HMRC, and updated when rules change.
Spotted something out of date? Please get in touch.
Guides by Andrew
- £25,000 after tax in 2026/27: your take-home pay
- £30,000 after tax in 2026/27: your take-home pay
- £35,000 after tax in 2026/27: your take-home pay
- £40,000 after tax in 2026/27: your take-home pay
- £50,000 after tax in 2026/27: your take-home pay
- £60,000 after tax in 2026/27: your take-home pay
- Compound interest explained: how your savings really grow
- Electric vs petrol: real running costs over 10,000 miles
- VAT cut on electricity bills: what you'll save, and why Northern Ireland is different
- How much does it cost to charge an electric car at home in 2026?
- Is an electric car on salary sacrifice actually worth it in 2026?
- Higher rate tax explained: what the 40% rate really means for you
- How to convert an hourly rate into an annual salary (and back again)
- How many words is a 5-minute speech? Speaking times explained
- How to add VAT to a price: the simple sum with examples
- How to make a QR code that actually works (free, no sign-up)
- What is the Iran war costing UK households? The real numbers
- Mortgage overpayment vs saving: which is better for you?
- Monthly repayments on a £200,000 mortgage in 2026
- Pension salary sacrifice explained: how it saves you tax and National Insurance
- How to calculate a percentage increase or decrease
- Stamp duty for home movers in 2026: how much will you pay?
- Stamp duty on second homes and buy-to-let in 2026
- How to convert stones and pounds to kilograms (and back)
- Tax codes explained: what 1257L, BR, 0T and emergency codes mean
- How to count working days between two dates in the UK
- The 60% tax trap: why earning between £100,000 and £125,140 costs so much
- How to remove VAT from a price (and the mistake almost everyone makes)
- What's my salary after tax in 2026/27? Take-home pay from £20,000 to £150,000
- Stamp duty for first-time buyers in 2026: what you'll actually pay
- How to make a strong password you can actually remember
- Student loan repayments 2026/27: thresholds for every plan, and Plan 5 explained