Where's the easiest tax saving you're not taking?

Put in a few real numbers, see which wrapper decisions are actually worth something for your situation right now.

Your situation

Annual income

Age

Employment status

What you're already using

ISA allowance used so far this year

Amount held outside ISA/pension (GIA)

A lump sum to model (for pension/LISA/salary sacrifice scenarios)

Treated as a one-off lump sum comparison, not an ongoing monthly pattern.

Illustrative only. Based on 2026/27 UK tax rates and allowances. This does not constitute personal tax advice -- everyone's situation is different, and specifics should always be confirmed with an accountant or qualified adviser before acting on anything shown here.