Setups
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A short run of reminders before 5 April so you use — not lose — this year's tax allowances.
Everything this setup adds to your household. Dates are worked out from your answers when you set it up.
Before 5 April: use it or lose it
Guidance
The UK tax year runs 6 April to 5 April. Several allowances reset on 6 April and any unused amount is simply lost — so the weeks before 5 April are the time to act. The reminders below cover ISAs, pensions, Capital Gains Tax, Marriage Allowance and Gift Aid. Allowance amounts change most years, so nothing here quotes a figure — each reminder links the live gov.uk page so you check **this year's** numbers. This note creates nothing.
Use any remaining ISA allowance
Task · Due 3 weeks before your end of the tax year (5 April)
Your ISA allowance is **use it or lose it** — anything you don't pay in by 5 April doesn't carry over, and a fresh allowance starts on 6 April. Check **this year's** ISA allowance on gov.uk before you top up.
Top up your pension (if you plan to)
Task · Due 3 weeks before your end of the tax year (5 April)
Pension contributions attract tax relief up to 100% of your earnings, capped by the **annual allowance**. A top-up before 5 April uses this year's relief. Check **this year's** annual allowance on gov.uk — a lower (tapered) allowance can apply to high earners and to those who've already drawn a pension.
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Sign in to set upUse your Capital Gains Tax allowance where relevant
Task · Due 4 weeks before your end of the tax year (5 April)
Everyone has a yearly CGT tax-free allowance; gains within it aren't taxed, and it resets each tax year — unused, it's gone. If you're planning to sell shares, funds or other assets, it can be worth realising some gains before 5 April. Check **this year's** allowance on gov.uk.
Check whether you can claim Marriage Allowance
Task · Due 6 weeks before your end of the tax year (5 April)
Marriage Allowance lets a lower earner (income normally below the Personal Allowance) transfer part of it to a spouse or civil partner who is a basic-rate taxpayer. You must be married or in a civil partnership — it doesn't apply to unmarried couples — and once set up it auto-renews each year. Scottish taxpayers' bands differ, so check **this year's** amounts and thresholds on gov.uk before you apply.
Get your Gift Aid records together
Task · Due 4 weeks before your end of the tax year (5 April)
If you're a higher or additional-rate taxpayer you can claim extra relief on Gift Aid donations through Self Assessment — but you must keep a record of the **date, amount and charity** for each donation. gov.uk asks you to keep these for at least 22 months after the end of the tax year, so gather this year's before 5 April.
Final check before the tax year ends
Task · Due On your end of the tax year (5 April)
Last day of the tax year. A quick sweep: anything left in your ISA, pension or CGT allowance disappears at midnight and a fresh set starts on 6 April. Make any last contributions today rather than tomorrow.