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Your personal
financial guide

UK tax, benefits, and legislation explained in plain English — personalised to your situation.

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Built for every stage of your financial life

The UK's financial system is complicated by design

Every April brings new rules. Every Budget changes what you're entitled to. And yet nobody tells you what it actually means for you — in plain English, without trying to sell you something.

The Budget happened. You have no idea if it affects you.

Government announcements are written for accountants. You're left Googling "what does ISA freeze mean for me" and getting contradictory answers.

You're probably missing out on money you're entitled to.

Child Benefit thresholds changed. Free childcare hours expanded. Salary sacrifice could save you thousands. Most people simply don't know.

You feel behind — and a bit embarrassed about it.

Finance isn't taught in schools. Most adults are figuring it out alone. The jargon makes you feel confused. It isn't you — the system just isn't designed for real people.

Up and running in four steps

1
Tell us about your situation

Five quick questions. Your income band, whether you have kids, if you're saving, investing, or renting. Nothing sensitive, no bank access required.

2
Get your personalised dashboard

Beacon builds a financial picture specific to your situation — relevant explainers, upcoming deadlines, and what you might be missing out on.

3
We watch the horizon for you

When the government makes changes that affect people like you, Beacon translates them into plain English and notifies you directly.

4
Feel genuinely on top of it

Weekly digest, urgent alerts when needed, and a growing library of UK-specific guides. Finally feel in control of your finances.

Every topic explained like a knowledgeable friend

Not a bank. Not a textbook. Beacon explains UK finance the way a trusted friend in the industry would — direct, warm, and free of ulterior motives.

ISAs explained properly

Cash, Stocks & Shares, Lifetime, Junior — what each one is, who it's for, and how to actually use them.

Salary sacrifice & the £100k trap

How to keep more of your pay. The cliff edge most people don't see coming until it's too late.

Child Benefit, childcare & LISAs

Whether you're claiming Child Benefit or saving for your first home, Beacon covers what applies to your stage of life.

Good morning, Sarah
New for you
Child Benefit threshold changed this April
Based on your income, you may now be eligible. Here's what changed and what to do next →
ISA allowance
£20,000
Resets 6 April
Free childcare
30 hrs
You qualify ✓
What is salary sacrifice?
Stamp Duty for first-time buyers
How pension tax relief works

Never miss a change that affects you

Beacon monitors government announcements, Budget documents, and HMRC guidance — and translates anything relevant into plain English before it lands.

Monitored 24/7

Gov.uk, HMRC, Bank of England — we watch the sources so you don't have to.

Personalised to you

Only changes that affect your situation reach your inbox. No noise, no overwhelm.

Urgent alerts when it matters

For time-sensitive changes — like a Budget announcement — you'll hear from us the same day.

HMRCToday
Employer NI contributions rising from April
The rate increases from 13.8% to 15%. Here's what this means for your take-home pay...
Affects you
Gov.uk2 days ago
New tax year checklist — what to do before April 6th
April 6th means new allowances and new opportunities. Here's your personalised checklist...
Action needed
Bank of England1 week ago
Base rate held — what this means for your mortgage
The rate stayed at 5.25%. If you're coming off a fixed deal, here's our plain-English explainer...
Good to know

Whatever stage you're at, in plain English

UK finance changes as life does. Beacon adapts to where you are right now — and stays with you as that changes.

Starting out

Your first payslip, your first pension, your first ISA. The decisions made now quietly shape the next thirty years.

  • LISA vs Cash ISA — which one, when
  • Understanding your tax code and payslip
  • Auto-enrolment and early pension choices

Buying a home

Stamp Duty, Help to Buy, mortgage rates, and the first-time buyer schemes that actually save you money.

  • Stamp Duty thresholds and reliefs
  • Fixed vs tracker — what to know now
  • Deposit boosters and LISA bonuses

Raising a family

Child Benefit, childcare hours, salary sacrifice, and the £100k tax trap — decisions that shape your household's next decade.

  • Child Benefit and the high income charge
  • Free childcare hours — when and how
  • Salary sacrifice and the £100k cliff

Planning ahead

Pensions, inheritance, capital gains, and drawdown. What the Budget actually means for your long-term plans.

  • Pension allowances and lifetime limits
  • Inheritance tax thresholds and gifting
  • Capital gains on investments and property

Simple, honest pricing

Less than a coffee a month. Cancel any time.

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Get started and see if Beacon is right for you.

  • Weekly legislation digest
  • 5 core explainer guides
  • Basic financial profile
  • Personalised alerts
  • Full explainer library (20+)
  • Urgent Budget notifications

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