Portfolio/Tools to try
Which tax reliefs and allowances may apply to you, and aren't being claimed?
Answer the questions below about how you're paid and what you pay into. The tool checks around 30 UK tax reliefs, allowances and rules against your answers, then shows what may apply, roughly what it could be worth, and where to check. Nothing you enter leaves your browser.
How this was built
I first built this for the members of a financial education platform I run, as one of its 25+ tools, then rebuilt it here in this site's design. The rules engine covers the 2026/27 tax year: income tax bands for Scotland and the rest of the UK, the £100,000 allowance taper, National Insurance, the Child Benefit charge, student loan plans, and the four-year window for backdated claims, which it works out from today's date. It runs the same rules file as the original, so both stay in step. The rules were last checked against gov.uk on 29 September 2026 and are re-checked every April.
The tool couldn't load its rules just now. Refreshing the page usually fixes it.
Enter your income, pension or giving above and your results will appear here.
Based on what you've entered
What may apply to you
Estimates from your own figures and the 2026/27 rules. HMRC, your payslip and your scheme statement are the final word: the tool shows where to look, not what to do.
What may apply, largest first
May be claimable means money HMRC may already hold that you may be able to ask for, usually for this year and the four before it. May apply now means a rule that could change how much tax you pay from here on. Unused means an allowance with headroom left this year. Every card says where to check.
One way to go about it
An order that tends to work for a list like this. Any checking and claiming is yours to decide on; the tool shows where to look.
This is an educational estimate, not tax advice, financial advice or a personal recommendation. It checks UK tax reliefs and allowances against the figures you enter, using published 2026/27 rules, and points to where each can be checked and claimed. It doesn't see your accounts, doesn't tell you what to do with your money, and doesn't recommend any product, provider or investment. Figures are approximate: they ignore some interactions (for example Scottish starter-rate nuances, the pension annual allowance taper above £200,000, and benefits in kind) and assume the rules applied equally in earlier years where you say your position was similar.
Key rules used: Personal Allowance £12,570; higher-rate threshold £50,270 (Scotland: rates 19% to 48%, higher rate from £43,663); relief at source top-up 20%, higher-rate reclaim 20% or 25%; Gift Aid reclaim 25p or 31.25p per £1; overpayment relief claims within 4 years of the tax year end; Marriage Allowance £1,260 transfer worth up to £252, backdated to the oldest open year; working from home £6 a week (earlier years only); mileage 55p then 25p; Child Benefit £27.05 and £17.90 a week, charge from £60,000 to £80,000 of adjusted net income; ISA £20,000, Lifetime ISA £4,000 plus 25%, Junior ISA £9,000; pension annual allowance £60,000; Personal Savings Allowance £1,000, £500 or £0; State Pension £241.30 a week for 35 qualifying years, Class 3 £18.40 a week.
Tax rules change and depend on your circumstances. You can check any relief with HMRC at gov.uk. For a plan built around your situation, you could speak to a regulated financial adviser or a tax adviser. The check runs in your browser: nothing you enter is sent anywhere or stored.