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What has changed in your life?

Tax follows life, not the other way round. Pick what has happened and we will show you what changes, what it is worth, and what to do next.

Going self-employedWhat changes when you start working for yourself: registration, payments on account, the trading allowance, and the first deadlines that apply to you.4 decisions · 3 calculatorsGetting marriedMarriage Allowance is worth up to £252 a year and backdates four years. Transfers between spouses also become tax free, which changes capital gains and inheritance planning.3 decisions · 2 calculatorsHaving a babyChild Benefit, the High Income Child Benefit Charge, tax-free childcare, and why you should register even when the charge would take all of it.3 decisions · 3 calculatorsA big pay rise or bonusCrossing £50,270, £60,000 or £100,000 changes your marginal rate sharply. What each threshold costs, and what clearing it is worth.4 decisions · 4 calculatorsBecoming a landlordThe property allowance, why mortgage interest is no longer deductible, and the quarterly reporting that starts in April 2026.3 decisions · 3 calculatorsStarting a limited companyCorporation tax, the salary and dividend split, when VAT registration becomes compulsory, and the filing obligations a company brings with it.4 decisions · 3 calculatorsStarting a side hustleThe £1,000 trading allowance, when a return becomes necessary, and what the online platform reporting rules actually mean for you.3 decisions · 3 calculatorsStarting a new jobWhat a P45 does, why a new job so often produces the wrong tax code, and how to get overpaid tax back without waiting for HMRC to notice.2 decisions · 3 calculatorsSelling a propertyPrivate residence relief, the 60-day reporting deadline that catches almost everyone, and what to do when a property was let for part of the time.2 decisions · 2 calculatorsApproaching retirementThe 25% tax-free lump sum, why the first withdrawal is almost always overtaxed, and the contribution limit that taking income triggers.3 decisions · 3 calculatorsGetting divorcedThe no gain, no loss window on transfers, when Marriage Allowance stops, and why the timing of a separation has tax consequences of its own.2 decisions · 2 calculatorsReceiving an inheritanceInheritance tax is paid by the estate, not by you — but what you inherit carries a new base cost, and what you do with it has consequences of its own.3 decisions · 2 calculators

Why life events, not tax types

Nobody wakes up wanting to know their marginal rate. They have just had a child, or gone self-employed, or been given a pay rise that turned out to be worth less than it looked. The tax consequences of one life event are scattered across half a dozen rules that have nothing else in common, and no single calculator holds them together.

Each page below does. It says what actually changes, what each change is worth, the deadlines the event itself creates, and which of our decision tools and calculators are worth your time now rather than in general.

If you would rather start from the money, the free tax check asks eight questions and shows the reliefs your situation suggests you are missing.