⏰ End of Tax Year Checklist

What to review before the deadline

1. Use your ISA allowance if you still have unused room.
2. Review pension contributions if you want extra tax relief or to reduce HICBC / higher-rate exposure.
3. Use capital gains allowance if you planned to sell investments and spread gains.
4. Check marriage allowance if one spouse has unused personal allowance.
5. Gift Aid timing can matter for higher-rate relief.
6. Director dividends may need careful timing before year end.

People who should pay special attention

• Higher earners near £50,270 or £100,000
• Families affected by HICBC
• Landlords, investors and company directors
• Anyone planning an asset sale or big bonus