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You see £50k-a-week contracts… but here’s the truth: most players never see £50k. After tax, NI, agent fees, and other deductions — that figure drops fast. And it’s the same for anyone in football,
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If your club pays your agent on your behalf… you could be taxed on that too. HMRC may treat it as a benefit to you, which increases your taxable income. Same deal… more tax. So what you can do is u
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A lot of footballers see a signing-on fee… and instantly spend based on the full number. But HMRC still treats signing-on fees as taxable income. Which means depending on your earnings, part of
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A lot of footballers are finally starting to save money… but leaving it sitting in a normal bank account. Which means the money is slowly losing value over time. For the 2025/26 tax year, you c
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If you’re driving to training, matches or trials in your own car… you could be missing legitimate tax relief. HMRC currently allows: • 45p per mile for the first 10,000 miles • 25p after that So
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HMRC already receives data about your income. From your employer. From your bank. From third parties. So trying to avoid it isn’t a strategy. So what you can do is stay organised and handle things
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If you only think about tax when the bill arrives… you’re already behind. By then, the money’s been earned and spent. So what you can do is do a mid-season review around October time. Look at what
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Your financial year doesn’t run January to December. It runs from 6 April to 5 April. That’s what HMRC uses to calculate your tax. Which means timing of income matters. So what you can do is track
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If your tax bill felt way higher than expected… this is why. HMRC doesn’t just collect what you owe. They also take an advance for next year. That’s called payment on account. So what you can do is
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If your pay suddenly dropped but nothing changed… this could be why. Emergency tax codes like 0T or BR mean you’re being taxed without your personal allowance. Which means more of your income is tax
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If you’re a footballer with a job alongside playing… this applies to you. You might already be repaying your student loan without even realising it. As soon as your income goes above a certain level
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If you’re a footballer using a credit card… this applies to you. A lot of players use credit cards to keep up with lifestyle. Clothes, nights out, trainers… and it feels manageable at the time. But
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About @fcfinance_

FC Finance is a verified Instagram nano influencer. With 3.4K followers and 12 posts, fcfinance_'s account shows a follower-to-following ratio of 17.2:1. View all content anonymously on Pictame - no login required.

fcfinance_'s engagement rate sits at 0.48%. For accounts with 1K-10K followers, the average is around 5%, so there's some room to grow — though every community is unique.

Out of the last 12 posts, 100% are videos and 0% are photos. Content shows up about every 17 days. Captions lean detailed, averaging 702 characters.

0.48% engagement rate — room to grow compared to average for 1K-10K follower accounts.
Posts about every 17 days.
17.2:1 follower-to-following ratio.

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@fcfinance_

FC Finance

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#hmrc#footballers#footballer#incometax#footballfinance#accountant#footballaccountant#financialliteracy

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⚽️ For footballers who want to keep more of what they earn 💷 Tax & money explained by Football’s Chartered Accountant ...

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