What to do before the tax year ends: your April 5th checklist for ISAs, pensions and more

The tax year ends on April 5th. After that, unused allowances are gone for good — and with a raft of tax changes landing in 2026/27, this year matters more than most.

This free checklist covers:

How to use your £20,000 ISA allowance before midnight on April 5th

Why pension contributions are unusually powerful right now (especially if you earn over £100k)

The 60% tax trap — and how to escape it

Junior ISAs, gifting rules, and the Bed & ISA move most people miss

Here's a taste of what's inside:

- Every basic rate taxpayer who puts £80 into a pension sees it become £100 — instantly. Higher rate taxpayers do even better. With income tax thresholds frozen until 2031, this is one of the most valuable moves you can make right now.

- If you earn between £100,000 and £125,140, you're effectively paying 60% tax. A pension contribution can pull your income below that threshold — and save you thousands.

✅ The full checklist has 12 actionable steps — from topping up your ISA to gifting rules that reduce your Inheritance Tax bill.