Allowance Checker.
Answer eight questions and we'll tell you which of the 19 UK tax free allowances you could be using this year, what each one is worth, and what to do about it.
For anyone with a payslip, a side hustle, savings or a limited company.
Tell us a bit about you.
How do you earn most of your money?
Roughly what do you earn a year, before tax?
Everything added together, before any tax comes off.
Married or in a civil partnership?
Any children under 12?
Any money coming in outside your main job?
Do you earn interest on savings, or hold shares outside an ISA?
Any of these apply at work?
Choose any that apply.
7 questions left.
The 19 UK tax free allowances in 2026/27
Most people use two or three of these and never hear about the rest. Each one is a set amount you can earn, receive or give away before tax applies, or a relief that gives tax back. The figures are for England, Wales and Northern Ireland in 2026/27.
- Personal allowance£12,570 a year
- Everyone, reduced once income passes £100,000 and gone at £125,140.
- Marriage allowanceUp to £252 a year, backdated up to 4 years
- Married couples and civil partners where one earns under £12,570 and the other pays basic rate tax.
- Trading allowance£1,000 a year
- Anyone with income from selling things or doing work on the side.
- Property allowance£1,000 a year
- Anyone with rental income from a property.
- Rent a room relief£7,500 a year
- Anyone letting a furnished room in the home they live in.
- Personal savings allowance£1,000 at basic rate, £500 at higher rate, nil at additional rate
- Anyone earning interest, apart from additional rate taxpayers.
- Starting rate for savingsUp to £5,000 of interest
- Anyone earning interest whose wages or pension are under £17,570.
- Dividend allowance£500 a year
- Anyone receiving dividends, including company directors.
- Capital gains tax annual exempt amount£3,000 of gains a year
- Anyone selling shares, a property that isn't their home, or other assets.
- ISA allowance£20,000 a year
- Everyone aged 18 or over.
- Tax free childcareUp to £2,000 a year for each child
- Working parents with a child under 12, each earning under £100,000.
- High income child benefit chargeStarts at £60,000, child benefit fully clawed back at £80,000
- Households with children where the higher earner is over £60,000.
- Personal allowance taper60% effective tax rate between £100,000 and £125,140
- Anyone earning between £100,000 and £125,140.
- Working from home relief£6 a week, £312 a year
- Employees whose job requires them to work from home.
- Flat rate expenses for uniformFrom £60 a year, backdated up to 4 years
- Employees who wash or repair their own uniform or tools.
- Mileage allowance45p a mile for the first 10,000 miles
- Anyone using their own car for work trips outside their normal commute.
- Trivial benefits£50 a gift, up to £300 a year for directors
- Limited company directors and their staff.
- Employment allowance£10,500 a year off employer National Insurance
- Limited companies with more than one person on the payroll.
- Inheritance tax annual exemption£3,000 a year, one unused year carried forward
- Anyone making gifts, especially couples and higher earners.
Figures for England, Wales and Northern Ireland, 2026/27. Guidance only. Scottish income tax bands differ.
Want us to check your whole tax position?
A call covers how you're paid, your company if you have one, property, savings and what's coming next year. Answer a few questions, then pick a time to speak with the team.
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