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Financial check-up (UK): quick opportunities

Answer a few questions and we’ll flag common “next things to check” (ISA headroom, child benefit charge risk, pension prompts, and more). Estimates only: always verify with official guidance.

£20,000ISA allowance
£60,000child benefit charge starts
£100,000allowance taper
Last updated

Check-up

This tool is designed to be fast and useful. It provides general prompts and rough calculations for 2026/27, not personalised financial advice.

£
Salary, self-employed profit, rental and savings income added together.
£
The child benefit charge is paid by whichever of you has the higher income.

Pension

£
For relief at source, enter what you pay before the 20% top-up.

Children & benefits

children

Savings & ISA

£
£
%
Your checklist shows here.Enter your income and press Get check-up. After that, it updates as you change anything.
Updates as you type
Top things to consider
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ISA headroom this tax year (max £20,000)
Adjusted net income (rough)

Prompts (most impact first)

    Useful official links

    Estimates only. General information, not financial or tax advice. Rules vary and can change. If you’re near thresholds, verify with GOV.UK or a qualified adviser.

    What the check-up looks at

    Check2026/27 figure
    ISA allowance£20,000 a year across all your ISAs
    High Income Child Benefit Charge1% of child benefit for every £200 of adjusted net income over £60,000, so all of it by £80,000
    Child benefit£27.05 a week for the eldest child, £17.90 for each other child
    Personal allowance taper£1 of the £12,570 allowance is lost for every £2 of income over £100,000
    Personal Savings Allowance£1,000 of interest tax-free for basic-rate taxpayers, £500 for higher rate, none for additional rate
    Pension annual allowanceUsually £60,000 of contributions a year, including tax relief and employer payments

    Adjusted net income

    Your income before tax, minus pension contributions that get tax relief (grossed up if paid by relief at source) and Gift Aid donations (grossed up). It decides the child benefit charge and the personal allowance taper, which is why pension contributions can reduce both.

    Even if the charge would take all of your child benefit, it can still be worth claiming: the claim gives a non-earning parent National Insurance credits towards their State Pension. You can claim and opt out of the payments.