The first £12,570 of your income is generally tax free by virtue of the personal allowance. It is important that you make use of the personal allowance each tax year because it cannot be carried forward.

Where you are a basic rate taxpayer and your spouse does not pay any tax, it should be possible to transfer an element of their personal allowance to you. To action this, it is necessary to complete a specific claim – something that we can manage on your behalf.

Alternatively, can you share out your income. There are right ways and wrong ways of doing this so let us help. This will make the most efficient use of personal allowances and basic rate bands.