Why Tax Year End matters

Tax Year End is for everyone. UK taxpayers like you are entitled to annual allowances. They protect the money you put into your pension or ISA from UK Income and Capital Gains tax. This means you get to keep more of what you save or invest. 

The current tax year started on 06 April 2025 and ends on 05 April 2026. So whatever your saving goal, there’s still time to make the most of your allowances. 

It all adds up

Your annual allowances help you save into ISAs and pensions tax-efficiently, helping you save more by charging you less tax.  

So even if you can only save a little for the future, your allowances can help you keep more of what you invest.

Unsure if you should put more into your ISA or your pension? Our guide can help you weigh things up depending on your goals and situation. 

Should I save or invest?

Your ISA allowance

This tax year, you can save a total of £20,000 across multiple ISA accounts.

You can’t roll any unused ISA allowance into the next tax year, so it could worth saving a little extra to make the most of it.

Any growth or income your ISA receives is protected from UK Income Tax and UK Capital Gains Tax. It’s yours to keep!

More about ISA tax rules

Your pension allowance

This tax year, the standard allowance lets you and your employer save up to 100% of your annual salary (up to a limit of £60,000) tax efficiently across multiple personal and workplace pensions.

It’s tax-efficient because you’ll receive tax relief on any personal contributions you make within these limits.

Any growth or income your pension receives is protected from UK Capital Gains and Income Tax.

More about pension tax relief

Tax benefits depend on individual circumstances and can change. 

How to use your allowances

You don’t need to use your full allowance. Even a small ISA or pension top up today can help you keep more of what you invest, by protecting your money and growth from UK tax. Here’s how our range of products can help you make the most of your allowances: 
 

Save into an ISA 

Ready-Made Investments

Our Ready-Made Investments ISA lets you save money for the future in a tax-efficient way. Pay no UK tax on any growth or profits made. 

  • Invest from £50 a month, or with a £500 lump sum. 
  • Invest up to £20,000 across multiple ISAs this tax year. 
  • Our experts invest your money for you. 
  • Pay no monthly account fees until July 2026. 

To count towards your 2025/26 allowance, ISA top ups must be made to us by debit card before 05 April, or by direct debit on or before 03 April.

More about this ISA

Stocks and Shares ISA

Our Stocks and Shares ISA is a tax-efficient way to build your own investment portfolio. Pay no UK tax on any growth or profits made. 

  • Invest up to £20,000 across multiple ISAs this tax year.  
  • No account fees, free regular investing through a regular investment plan. 
  • No dealing commission on international trades (FX rates apply). 
  • UK trades at £5 commission. 

To count towards your 2025/26 allowance, ISA top ups must be made by debit card before 23:59 on 05 April. 

More about this ISA

Top up your pension

Ready-Made Pension

A simple personal pension that makes it easy to save for your future. Our experts invest your money for you, so it has a chance to grow over time. 

  • Tell us the age you want to retire, then we’ll do the rest. 
  • Our experts invest your money for you. 
  • Get 20% tax relief on eligible personal contributions 
  • Flexible options to take your money in later life. 
  • Clear and competitive fees. 

To count towards your 2025/26 allowance, single pension payments must reach us by 3:30pm on Friday 27 March 2026.

More about this pension

Self-Invested Personal Pension (SIPP)

Our SIPP gives you full control to trade and manage your own investments, with a wide range of investment options to choose from. 

  • Invest in shares, funds, bonds and more. 
  • Grow your investments free from UK tax. 
  • Get 20% tax relief on eligible personal contributions. 
  • Enjoy free regular investing. 
  • Flexible options to take your money in later life. 

To count towards your 2025/26 allowance, single pension payments must reach us by 3:30pm on Friday 27 March 2026.

More about our SIPP

6 things to do ahead of Tax Year End

Make the most of your allowances and discover more tax benefits you could be entitled to.

Find out more

6 things to do ahead of Tax Year End

Make the most of your allowances and discover more tax benefits you could be entitled to.

Find out more