Family, Savings and Pension Calculators
Last updated: October 2026 · Updated for the 2026/27 tax year
Families, savers and people planning for retirement deal with a different set of rules: Child Benefit and the High Income Child Benefit Charge, childcare support, Marriage Allowance, Universal Credit, ISAs and the many layers of pension tax relief. These calculators help you see what you are entitled to and what you might be missing.
Children, childcare and benefits
Savings and giving
Pensions and retirement
Key rules to know
| Item | Rule for 2026/27 |
|---|---|
| High Income Child Benefit Charge | Applies when adjusted net income passes £60,000: the charge is 1% of your Child Benefit for every £200 over £60,000, so it is fully repaid at £80,000 |
| Marriage Allowance | Transfer £1,260 of Personal Allowance to a basic-rate taxpaying partner, worth up to £252 a year |
| Childcare support | Tax-Free Childcare tops up payments by 20% up to £2,000 a child; 30 free hours for eligible working parents in England |
| ISA allowance | £20,000 a year across all ISAs; Lifetime ISA bonus is 25% on up to £4,000 |
| Pension annual allowance | £60,000 a year for most people, with tax relief at your marginal rate |
| State Pension | 35 qualifying National Insurance years are normally needed for the full new State Pension, and at least 10 for any |
Where to start
If you have young children, begin with the childcare calculator and check whether Child Benefit is being clawed back. If your income is near £60,000 or £100,000, pension contributions can restore Child Benefit and the Personal Allowance, so look at the pension tax relief calculator too. Savers should compare ISA and pension routes, and anyone within ten to fifteen years of retirement should run the State Pension forecast and NI gap checker to see whether a top-up payment is worthwhile.