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What should I do?

Every action the tool knows, ranked by what it saves at your figures and each with a switch: gifts out of income, using the tax-free cash, the order to draw money, charity, life cover in trust, and the allowances you are not using this tax year. Information about what the rules allow — you choose.

Open in Money Horizon Start with the example household

What should I do? — Money Horizon
Chapters on this page
1

The three that matter

The moves worth most at your figures, with what is safe to give and what the allowances are worth.

2

Every lever, with its switch

Each lever, what it saves and its catch.

3

Ranked by saving

Every lever on one bar chart, biggest first.

4

Allowances you are not using

ISA, pension, carry-forward, marriage, dividend and savings allowances, with the 5 April deadline.

Related
Will my money last?What will my family receive?How is my money invested?What if?What this can doGifts and the seven-year rule — how giving money away reduces inheritance taxWhere should the next £1,000 go? The UK money order of operations

Not advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser.