Rule updates

Last updated: 16 October 2026

The planner runs on UK tax and pension figures that change. Every figure below was last checked against its official source on 16 October 2026, for tax year 2026/27. This page lists what we check, and every change we have made as a result.

How we keep the figures current

Once a week, every rule listed below is compared with the official page it comes from. If a figure has changed, the planner, its tests and this log are updated together, and the change is reviewed by a person before it is released. We only use official sources — GOV.UK, legislation.gov.uk, the FCA Handbook, the Office for National Statistics and the Retirement Living Standards — never news reports.

A change that has been announced but is not yet in force does not alter your projection. Where the planner can model it, it appears as a separate what-if scenario until the date it takes effect. The figures themselves, and how the planner uses each one, are on How the planner works.

What has changed

No figure has needed to change since this log began on 12 October 2026.

What we check

Income Tax rates, bands and the personal allowance — GOV.UK — Income Tax rates
Scottish Income Tax rates and bands — GOV.UK — Scottish Income Tax
Capital Gains Tax rates and annual exempt amount — GOV.UK — Capital Gains Tax rates
National Insurance rates and thresholds — GOV.UK — Rates and thresholds for employers
Full new State Pension amount — GOV.UK — Benefit and pension rates
State Pension age timetable — GOV.UK — State Pension age timetable
Pension annual allowance, money purchase annual allowance and lump sum allowance — GOV.UK — Pension schemes rates and allowances
Normal minimum pension age — GOV.UK — Increasing normal minimum pension age
Salary sacrifice National Insurance cap from April 2029 — GOV.UK — Changes to salary sacrifice for pensions
Unused pensions and Inheritance Tax from April 2027 — GOV.UK — Inheritance Tax on pensions
Inheritance Tax nil-rate bands, the £2m taper and the lump sum and death benefit allowance — GOV.UK — Inheritance Tax thresholds
FCA projection rates — FCA Handbook — COBS 13 Annex 2
Retirement Living Standards spending benchmarks — Pensions UK — Retirement Living Standards
ISA annual allowance — GOV.UK — Individual Savings Accounts (monitored; the planner does not hold this as a fixed figure)
Consumer price inflation (context for the default inflation assumption) — ONS — Inflation and price indices (monitored; the planner does not hold this as a fixed figure)