Your Money in 2027What’s Changing and What to Do

It covers the lower cash ISA limit for under-65s from 6 April 2027, higher tax rates on savings interest and new property income rates, unused pensions coming into inheritance tax, the State Pension age rising to 67, the private pension age rising to 57 in 2028, and income tax thresholds frozen for years to come.

It also covers Scottish income tax bands, Making Tax Digital, minimum wage rates, the end of the two-child limit, Scottish Child Payment, energy price caps and the new Self Assessment penalties. Written just before the UK and Scottish Budgets, it shows you what to check after each.

Every chapter has a ‘What the evidence says’ box and a ‘Myth or fact?’ table, plus a worked savings tax example, allowances people often miss, scams that ride on rule changes, how to choose guidance or advice, a month-by-month 2027 plan and worksheets.

• The year ahead at a glance
• Two Budgets: what to watch for
• Income tax: the big freeze
• ISAs and savings: the April 2027 changes
• State Pension and pension changes
• Pensions and inheritance tax from April 2027
• Rental income and Making Tax Digital
• Pay and work
• Benefits and family money
• Energy and household bills
• 2027 money myths, checked
• Scams that ride on changes
• Your 2027 money plan
• Will I pay tax on my savings in 2027?
• Allowances and payments people often miss
• Your 2027 money file
• Self Assessment: new penalties for everyone
• Guidance, advice and how to choose
• Where to get help, glossary and sources