UK Tax Tools · 07

Every UK allowance, audited.

The UK tax code is unusually generous if you know where to look. ISA, pension, LISA, EIS, VCT, CGT, dividend, this audit ranks them by leverage so you know where to start.

Income & age

ISA & LISA

Pension

CGT & dividend allowance

Risk appetite (EIS / VCT)

Potential tax saving
£20,919

Higher rate (40%) · 5 actions

1. Increase pension contribution
£18,150
Save income tax + NI at marginal; employer NI rebate flows into the pot via salary sacrifice.
High leverage
2. Top up ISA
£1,000
Fully accessible, tax-free growth and withdrawal.
High leverage
3. Top up LISA
£1,000
25% government bonus on the contribution, locked until 60 for retirement.
High leverage
4. Realise CGT-free gains
£600
Crystallise gains up to the £3,000 allowance; reset cost basis.
Medium leverage
5. Use dividend allowance
£169
First £500 of dividends is tax-free; useful for dividend-paying stocks in GIA.
Low leverage

2025/26 UK rates embedded: ISA £20,000, pension annual allowance £60,000 (tapered above £260,000 combined income), LISA £4,000 + 25% bonus (open under 40, top up under 50), CGT allowance £3,000, dividend allowance £500, EIS 30% income-tax relief. Not advice.

Every allowance, ranked.

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Frequently asked questions

Why doesn't ISA room carry forward?

By rule. The ISA allowance resets every 6 April. Unlike pension carry-forward (3 years), unused ISA capacity is permanently lost, which is why maxing each tax year matters even with partial contributions.

Pension or ISA first?

For most higher-rate taxpayers: pension first, especially via salary sacrifice for the NI saving. For basic rate it's closer to a tie. For early retirees with bridge years before pension age, ISA matters more than the marginal math suggests.

What's the £100,000-£125,140 taper band?

Personal Allowance is reduced by £1 for every £2 of income above £100,000, fully gone by £125,140. The effective marginal rate in that band is 60% (40% basic + 20% PA-loss). Pension salary sacrifice is the standard fix for anyone trapped there.