UK Personal Finance, Rates & Tax Hub
Verified Bank of England interest rates, statutory ISA modernization guidance, and interactive tax freeze calculators for UK households, sole directors, and business owners. Sourced directly from the Bank of England, HM Treasury, HMRC, and ONS.
2026/2027 UK Allowances & Thresholds
All-type annual allowance across Cash, Stocks & Shares, and Innovative Finance ISAs. (Lifetime ISA capped at £4,000 within this limit).
Statutory threshold frozen to April 2031. Higher rate threshold remains £50,270. £100k taper creates 60% marginal tax rate.
Gross pension contribution limit eligible for tax relief (or 100% of relevant UK earnings). Taper applies above £260k income.
Featured UK Calculators & Tax Models
Model your cumulative 5-year freeze bill to 2031. Calculate exact tax drag on annual salary increases under English & Welsh rules.
Find your exact annual Cash ISA allowance under the £12,000 under-65 modernization rule. Model Personal Savings Allowance headroom.
Model the £12,570 salary strategy against 26.5% Corporation Tax marginal relief and Employer NIC to maximize net personal take-home.
Curated Guides for UK Readers
Frequently Asked Questions for UK Taxpayers & Savers
What is the UK Cash ISA annual allowance for 2026/27 and 2027/28? ▼
The total ISA allowance is £20,000 for the 2026/27 tax year, which can be allocated 100% to Cash ISAs. Under proposed legislation from 6 April 2027, the Cash ISA allowance for savers under 65 will be capped at £12,000, with the remaining £8,000 reserved for Stocks & Shares or Innovative Finance ISAs.
How long are UK income tax and National Insurance thresholds frozen? ▼
Statutory income tax and employee National Insurance thresholds remain frozen until April 2031. The personal allowance stays at £12,570 and the higher-rate threshold at £50,270, creating ongoing fiscal drag as nominal pay rises.
What is the 60% marginal income tax trap in the UK? ▼
Between £100,000 and £125,140, the personal allowance is tapered away by £1 for every £2 of income. Combined with the 40% higher rate and 2% employee National Insurance, this produces an effective 62% marginal deduction on salary.
What is the annual contribution limit for a SIPP (Self-Invested Personal Pension)? ▼
The standard annual pension allowance is £60,000 or 100% of your relevant UK earnings, whichever is lower. Higher earners with adjusted income above £260,000 are subject to the tapered annual allowance down to a minimum of £10,000.