Holly Mckay
Holly MackayFounder and CEO
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    • Savings, investments, pensions

    Boring Money is an independent website that helps millions of Brits to make better money choices.

    As seen strutting our stuff in...

    Clear money choices, zero jargon

    Helping you on your journey to financial confidence

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    How to Use Your £20,000 ISA Allowance: Complete Guide for 2025/26

    Every UK taxpayer gets a £20,000 ISA allowance each tax year – but it doesn't roll over. Our ISA hub explains exactly how ISAs work, which types suit different goals (Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs, Junior ISAs), and how to choose the best providers for your needs. Whether you're investing for the first time or maximising existing ISAs, you'll learn simple strategies to keep your money tax-free.

    In the News

    Celebrations and all-time highs
    By Holly Mackay 9 Jan, 2026
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    Happy New Year
    By Holly Mackay 2 Jan, 2026
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    Happy Christmas and a look ahead
    By Holly Mackay 19 Dec, 2025
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    The Indirect Consequences of the 2025 Budget: Five Tax Traps to Avoid
    By Boring Money 2 Dec, 2025
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    VCTs and EISs: How to Mitigate Your Capital Gains Tax Bill
    By Boring Money 28 Nov, 2025
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    News Articles
    By Boring Money 13 May, 2025
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    Your Pension Explained: Everything You Need to Know

    For a comfortable retirement living standard, a couple would need an income of £60,600 per year.

    Source: Pensions UK

    The current State Pension age is 66 years old, but it is set to rise to 67 between 2026 and 2028.

    Between 30-40% of private sector employees will not have sufficient income in retirement.

    Source: Boring Money Research

    Workplace Pensions: The what, why and how

    From how auto-enrolment works to whether your arrangement is actually any "good", we break down what you need to know about Workplace Pensions and how to make the most of them. Your future self will thank you!

    Get expert answers to your money questions

    Welcome to Boring Money's expert Q&A section. We collaborate with financial experts to provide clear answers on investments, pensions, and other money topics. Submit your own question for practical guidance from our in-house team or our Contributors.

    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    Risk warningAs is always the case with investing, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change in the future.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.