UK Tax-Free Allowance Optimiser 2026/27 | Excel Planner
Stop letting your tax-free allowances quietly expire every April.Every UK adult gets a generous set of tax-free allowances each year — for ISAs, pensions, dividends, capital gains and savings interest. Most of us never see, in one place, how much we've actually used or what the unused headroom is worth. On 6 April, whatever's left simply disappears.This simple, useful Excel planner fixes that. Enter your contributions and income as the year goes, and the dashboard shows you, live, exactly where you stand and where the easy wins are.What you'll be able to do: See every 2026/27 allowance on one screen: ISA £20,000, Lifetime ISA £4,000 (+25% bonus), Pension £60,000, Dividend £500, Capital Gains £3,000 and your Personal Savings Allowance. Track remaining headroom automatically — totals update the moment you log a contribution. Spot the free money first: it values your unused pension tax relief and Lifetime ISA bonus in pounds. Avoid a nasty surprise: it flags tax due if your dividends, gains or interest tip over their allowances (using the new 2026/27 dividend rates). Log the whole tax year month by month, from April to March. Why buyers choose this one: Built for the current 2026/27 tax year, with every figure verified and sourced on its own reference tab. Plain English and honest — a practical stewardship tool, not jargon. A proper British spreadsheet: £ throughout, with England/Wales/NI and Scotland both covered. Works in Microsoft Excel, and opens in Google Sheets and LibreOffice too. What's inside — 5 tabs: Start Here, Your Details, Contribution Log, Allowance Optimiser, and Rates 2026/27 (every figure with its source).Instant download. Yours to keep and reuse each tax year.This is an educational budgeting and planning tool, not personal financial, tax or investment advice. Figures are for the 2026/27 UK tax year and may change — always check GOV.UK or a qualified adviser before acting. Income tax bands differ in Scotland.
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