The sands of time are running out! With the UK tax year ending on 5th April 2026, now is the critical moment to make any last-minute financial moves that could save you money or boost your savings. This UK tax year end guide is your quick-fire checklist.
Need help tracking deadlines? Check out the official HMRC deadlines page for key dates.
1. Maximise Your ISA Allowance (UK Tax Year End)
Individual Savings Accounts (ISAs) are tax-free, and the annual allowance is £20,000. If you have not used your full ISA allowance this tax year, do it now. Cash ISA, Stocks and Shares ISA, or Lifetime ISA – pick the one that suits you.
Read the full ISA rules on GOV.UK.
2. Top Up Your Pension Before the UK Tax Year Ends
Pension contributions receive tax relief at your marginal rate. If you are a basic-rate taxpayer, every £100 you contribute only costs you £80 after tax relief. Higher-rate taxpayers save even more.
Check your pension tax relief entitlement on GOV.UK.
3. Use Your Capital Gains Tax Allowance Before 5th April
The CGT annual exempt amount is £3,000. If you have investments outside an ISA that have gains, consider selling and rebuying within an ISA wrapper to shelter future gains.
4. Check Your Marriage Allowance Before Year End
If one spouse earns less than the personal allowance (£12,570) and the other is a basic-rate taxpayer, you could be transferring £1,260 of allowance and saving up to £252 a year.
5. Clear Debts Before Year End
If you have stored-up debt on 0% credit cards, make a plan to clear it before the new tax year. Interest-free periods reset with the new year.
Act before 5th April 2026 – these allowances do not roll over.
Note: This is general guidance, not financial advice. Your situation is unique – consider speaking to a qualified financial adviser.