This calculator supports UK/US assumptions only. Choose the applicable market in the calculator or its named UK/US tool. Israeli rules are not implemented.
Separate contribution capacity, unused exemptions, a possible LISA bonus and a conditional investment tax claim. Each answers a different question.
For the personal pension earnings limit. Excludes dividends, rent, savings and employer pension contributions. No pension tax reduction is estimated.
This total already includes the LISA field. Remaining LISA room uses the same £20,000 annual ISA limit.
Get this figure from a current allowance calculation. This wizard does not derive threshold/adjusted income or the taper.
Total unused eligible annual allowance from 2023/24–2025/26 before applying any 2026/27 contributions. Do not enter an already-reduced remaining balance.
Include employer, personal gross contributions and any defined-benefit pension input.
Gross personal contributions already receiving tax relief; excludes employer contributions. Do not use net payments.
A current-year allowance balance, not a gain taxed at a selected percentage. Losses, matching and connected disposals are outside this checklist.
Do not enter tax already paid before reliefs. Use the verified current-year liability remaining after pension relief, EIS/SEIS claims and every other tax reducer.
Amounts below are distinct. A contribution limit or unused allowance is not a current tax saving. A dash means the required inputs or eligibility are unconfirmed.
Includes any additional LISA subscription; unused room is not a cash payment or forecast of growth.
Capacity, not tax saved
Verified current allowance plus the eligible prior-year pool, less all current-year pension input. Not an earnings limit or a tax refund.
Capacity, not tax saved
The smaller of annual headroom and remaining relevant-earnings relief capacity, including the eligible £3,600 gross floor. No NI saving, pension growth or withdrawal-tax estimate.
Capacity, not tax saved
25% of eligible remaining LISA room, constrained by the shared ISA limit. LISA access and withdrawal-charge rules still apply.
Conditional government bonus
The lesser of eligible unrealised gains and unused £3,000 exemption. No sale, matching, loss-relief or future tax saving is inferred.
Unused exemption, not cash
Unused part of the £500 zero-rate allowance. It occupies tax-band space; no dividend is created and no extra allowance is added to an ISA.
Unused exemption, not cash
30% EIS or 50% SEIS, capped by the unused standard annual investment limit and verified remaining income-tax liability. This is not a guaranteed refund or investment recommendation.
Conditional current-year tax reduction
Investment within the annual scheme limit: £0
These figures are not added together. LISA shares the ISA limit; pension headroom and personal relief room overlap. The investment claim uses the tax liability you verified after every other relief.
2026/27 checklist: ISA £20,000 including up to £4,000 LISA; eligible LISA bonus 25%; standard pension allowance up to £60,000 plus eligible three-year carry-forward, with separate relevant-earnings and age limits. CGT exemption £3,000 and main rates 18%/24%; dividend allowance £500 and rates 10.75%/35.75%/39.35%. Those tax rates are not multiplied by unused allowances to invent a saving. Future growth, withdrawal tax, contribution suitability and a full tax return are not calculated.
Calculation checks: 21 October 2026. Current-year illustration; no professional review is implied.
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Unused contribution limits, tax exemptions, a possible government bonus and a conditional tax claim are different quantities. Some overlap, and some require spending or locking up money. Adding them would imply a benefit the inputs cannot establish.
The annual allowance limits total pension input, including employer and defined-benefit input. Personal tax relief also depends on age, eligibility and relevant UK earnings. Carry-forward can increase annual input headroom without increasing the earnings-related personal relief limit.
Income-tax relief cannot exceed the liability available for the claim. The wizard does not calculate every income type, deduction or other tax reducer. Use a verified remaining current-year liability after all other reliefs. EIS/SEIS carry-back, knowledge-intensive uplift, CGT and loss relief are outside this illustration.