# How Money Guide checks rates and thresholds

> How we work · Last updated 12 September 2026

Canonical HTML: https://moneyguide.org.uk/method/rates/
Markdown mirror: https://moneyguide.org.uk/method/rates.md

## In short

The rates table is a dated reference. Individual checks identify the figure, source and date; calculators and explanatory pages must also be checked for consistency.

## Skip this if

This explains how Money Guide publishes information. It does not provide individual financial or legal advice.

## Where do figures come from?

Primary sources include the Bank of England, ONS, HMRC, DWP, Ofgem and FSCS. The public rates table and its download share data; some calculators have separate formulas and constants, so changing the table does not automatically update every tool.

## What does a checked date mean?

A source-check record identifies the claims compared with their source on that date. September 2026 checks used AI assistance. A successful HTTP response or a link-normalisation test cannot establish numerical accuracy. Older rows keep their earlier dates until actually checked.

## How are upcoming changes handled?

Where known, a record can include the next official release or effective date. Confirm a new release before changing the value. If the source cannot be verified, retain the previous dated context or withdraw an unsupported current claim.

## How should a figure be cited?

Link to the responsible authority and identify the applicable period. Money Guide is a secondary explanation of official rules. Historic tax-year archives remain separate from current figures.

## Frequently asked questions

### Do the calculators use live market prices?

No. They use stated inputs, formulas and dated parameters. Read each tool’s assumptions and confirm provider quotes separately.

### Does a new page date mean every rate was checked?

No. A page may change because one row or explanation changed. Use the individual source dates and the scope of a source-check note.

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.