Will you get the Pension Tax Allowance?

From April 2027 the full new State Pension (£13,036.40) sits above the frozen Personal Allowance (£12,570). Answer two quick questions and add your yearly income. In under two minutes you will see if you get the full £94 help, a tapered amount, or none — and whether moving savings into an ISA changes the answer.

See it working first:

Step 1 — State Pension age and where you pay tax I reach State Pension age in this tax year, or I am already above it I am a Scottish taxpayer

Tax year

Full new State Pension for that year (£ a year, only for uprated years)

Step 2 — Your yearly income

Use yearly amounts before tax. Savings and dividends outside an ISA count for this allowance, even if another allowance would cover them. Money inside an ISA never counts — put that in the ISA boxes so we can show the difference.

State Pension (£ a year)

Private or workplace pension (£)

Pay from a job (£)

Self-employment profit (£)

Property income (£)

Savings interest outside an ISA (£)

Dividends outside an ISA (£)

Any other taxable income (£)

Interest inside a cash ISA (£ — does not count)

Dividends inside an ISA (£ — does not count)

Step 3 — Results

Your headline answer will appear here first, then the numbers, the ISA-move check, your next steps, and links to share or download the report.

For developers

POST /api/check with JSON runs a check without saving it. POST /api/share also saves it for 180 days and returns share links. Saved and sample reports live at /r/:id (HTML), /r/:id.md, /r/:id.csv and /api/r/:id (JSON). Try /r/sample-a, /r/sample-b or /r/sample-c. GET /api/samples lists the samples; GET /api/health returns the version.

Minimal working example for POST /api/check:

{
  "asOf": "2026-11-05",
  "taxYear": "2027-28",
  "reachesOrAboveSpaInTaxYear": true,
  "country": "England",
  "statePension": 13036.4,
  "privatePension": 0,
  "savingsInterest": 400
}

Fields: reachesOrAboveSpaInTaxYear (required, true/false); statePension, privatePension, employment, selfEmployment, property, savingsInterest (outside an ISA), dividends (outside an ISA) and otherTaxable in £ a year; isaSavingsInterest and isaDividends (never counted); country or isScottish; taxYear and optional nspAnnual for uprated years; asOf (optional, YYYY-MM-DD).

curl -s -X POST https://ptapilot.dailyships.co.uk/api/check -H 'Content-Type: application/json' -d '{"asOf":"2026-11-05","taxYear":"2027-28","reachesOrAboveSpaInTaxYear":true,"country":"England","statePension":13036.4,"privatePension":0,"savingsInterest":400}'