Every tax-free allowance, threshold, and relief for the 2025/26 tax year. Find out what you can claim and how much tax it saves you. HMRC-confirmed figures.
A tax allowance is an amount you can earn, gain, or spend without paying tax on it. Allowances apply to different income types (earnings, savings, dividends, capital gains) and you can usually use several at once. Most reset every 6 April and cannot be carried forward, so using them before the year ends matters.
Where each tax band starts and how your allowance tapers.
Tax-free interest, dividends, and the £20,000 ISA limit.
Annual allowance, tapering for high earners, and carry forward.
Capital allowances, VAT thresholds, and home-working relief.
Select an allowance for a detailed explanation, worked examples, and HMRC-confirmed figures.
The £12,570 Tax-Free Amount
Transfer £1,260 to Your Partner
£20,000 Tax-Free Savings Limit
Understand the income tax rates and thresholds 2025/26 for the 2025/26 tax year.
Tax Savings & How It Works
£90,000 Explained
Rates for the Self-Employed
£1,000 Tax-Free Interest
What Sole Traders Pay
£3,000 Exempt Amount
£6/Week & Actual Cost Methods
GBP 60,000 Limit Explained
£10,500 NIC Relief
Claim Tax Relief on Equipment
GBP 7,500 Tax-Free Lodger Income (2025/26)
When 40% Starts
£1,000 Tax-Free Rental Income
Who Qualifies
Rates & Who Should Use It
Understand the scottish income tax bands 2025/26 for the 2025/26 tax year.
£1m 100% Relief
Use Unused Allowance From 3 Years
How Higher-Rate Taxpayers Claim
High Earner Pension Limits
The 60% Trap Over £100k
CGT-Free Home Sales Explained
Flat Rate vs Actual Costs (2025/26)
The 45% £125,140 Band
18% & 6% Pool Rates Explained
£5,000 0% Band Explained
The £50 Tax-Free Rule
Understand the small profits threshold for the 2025/26 tax year.
Understand the welsh income tax rates 2025/26 for the 2025/26 tax year.
List your income sources: employment, self-employment, savings, dividends, property, and capital gains. Each type has its own allowance you can use in parallel.
Most allowances reset at the start of the new tax year and cannot be carried forward. ISAs, the CGT exempt amount, and pension contributions are common use-it-or-lose-it allowances.
For sole traders, capital allowances and home-working relief depend on accurate records. Connect your bank to TapTax and qualifying expenses are categorised for you.
TapTax connects to your bank, categorises expenses automatically, and submits quarterly updates to HMRC. Free plan, no card required.
