Your situation

Annual gross salary Annual dividend income (outside ISA) Annual savings interest (outside ISA) Realised capital gains (outside ISA, last year) Pension contributions (annual, gross) Receive Child Benefit?

I have unused ISA allowance from this tax year I have a Lifetime ISA I changed jobs in the last 12 months I am married or in a civil partnership I have any self-employed / side income I receive rental income

What changes for you on 6 April

Actions are sorted by urgency. The pounds-and-pence column shows the headline change for the 2026/27 tax year vs 2025/26 frozen thresholds.

Threshold and allowance changes

Item	2025/26	2026/27	Δ
Personal Allowance	£12,570	£12,570	frozen
Higher-rate threshold	£50,270	£50,270	frozen
Additional-rate threshold	£125,140	£125,140	frozen
ISA annual allowance	£20,000	£20,000	frozen + reset
Lifetime ISA allowance	£4,000	£4,000	frozen + reset
Junior ISA allowance	£9,000	£9,000	frozen + reset
Dividend allowance	£500	£500	frozen + reset
CGT Annual Exempt Amount	£3,000	£3,000	frozen + reset
Pension annual allowance	£60,000	£60,000	frozen
HICBC threshold	£60,000	£60,000	frozen
Marriage Allowance transfer	£1,260	£1,260	frozen

"Frozen + reset" means: the allowance figure does not change year-on-year, BUT the unused portion does not carry over — it resets to zero on 6 April. If you do not use it before then, it is gone for the year.