Tax-Free Allowance Optimiser UK 2025/26

Maximise your tax-free allowances across ISAs, pensions, savings, dividends, CGT and marriage allowance.

2025/26 Tax Year: Personal Allowance £12,570 (tapers above £100,000) | ISA £20,000 | Pension £60,000 | PSA £1,000/£500/£0 | Dividend £500 | CGT £3,000 | Marriage Allowance saves £252/year

Total Annual Income (£)

Pension Contributions This Year (£)

Carry-Forward Pension Room (£)

Enter your details above and click Calculate to see your allowance optimisation results.

Personal Allowance£0

ISA Room Left£0

Pension Room Left£0

Total Potential Savings£0

Allowance Utilisation Dashboard

Allowance	Total	Used	Unused	Status

Tax Savings Breakdown

Opportunity	Amount	Tax Rate	Savings

Action Plan

Action	Priority	Impact

How This Calculator Works

This tool checks six key tax-free allowances for the 2025/26 UK tax year: Personal Allowance, ISA allowance, pension annual allowance, Personal Savings Allowance, Dividend Allowance, and the CGT annual exemption. Enter your income and investment details across the three tabs, and the calculator shows unused allowances, potential tax savings, and a prioritised action plan.

Personal Allowance tapers by £1 for every £2 of income above £100,000, reaching zero at £125,140. The PSA depends on your tax band: £1,000 (basic rate), £500 (higher rate), or £0 (additional rate). ISA and CGT allowances are use-it-or-lose-it with no carry-forward. Pension contributions qualify for 20% tax relief and carry-forward is available for up to 3 prior years.