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UK Money Planning
UK Financial Events Calendar 2026/27
Keep every key date in one place: HMRC deadlines, tax-year milestones, Bank of England rate decisions, and Budget windows. Built for action-first planning, not passive reading.
Last reviewed: 16 October 2026. Some fiscal, Ofgem and BoE dates are announcement-dependent and may move.
Upcoming UK financial dates and HMRC deadlines
The next fixed dates to plan around for the 2026/27 tax year. HMRC cut-offs are non-negotiable; Bank of England rate decisions and the fiscal event (Budget) are announced in advance and can move.
31 October 2026
Self Assessment paper tax return deadline
5 November 2026
Bank of England Bank Rate decision
7 November 2026
Making Tax Digital quarterly update deadline
30 December 2026
Deadline to file online and have tax collected via your tax code
31 January 2027
Self Assessment online filing and payment deadline (+ first payment on account)
6 April 2027
New UK tax year starts — allowances and bands reset
The Autumn fiscal event (Budget) and the spring fiscal event are usually held in November and March. Dates are set by HM Treasury and confirmed in Parliament — see the full month-by-month list below.
HMRC deadlines are non-negotiable cut-offs. Budget, BoE and Ofgem dates are announced in advance and can move; fixed-date events can be added straight to Google Calendar.
Month-by-month key events
Expand any row for the prep action, who it affects, and official sources.
January
2 events31
Jan
HMRC deadlines
Self Assessment online filing and payment deadline
Passed this year. 4 months until 31 January 2027
Passed this cycle
HMRC deadlines
Self Assessment online filing and payment deadline
Passed this year. 4 months until 31 January 2027
Why it matters
This is the main tax return and balancing payment deadline with automatic penalties if missed.
Prep action
Prepare records early in January and submit before deadline-day traffic spikes.
Who it affects
Self-employed people, landlords, company directors, and high earners filing Self Assessment.
Recurring pattern: Every year on 31 January. Suggested reminders: 14 days before and 3 days before.
Related tools and guides
31
Jan
HMRC deadlines
First payment on account due for next tax year
Passed this year. 4 months until 31 January 2027
Passed this cycle
HMRC deadlines
First payment on account due for next tax year
Passed this year. 4 months until 31 January 2027
Why it matters
Cashflow pressure is highest when balancing payment and first payment on account stack.
Prep action
Budget for both liabilities together and check if reducing payments on account is justified.
Who it affects
Self Assessment taxpayers who pay tax via payments on account.
Recurring pattern: Every year on 31 January. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
February
3 events07
Feb
HMRC deadlines
Making Tax Digital: third quarterly update deadline
Passed this year. 4 months until 7 February 2027
Passed this cycle
HMRC deadlines
Making Tax Digital: third quarterly update deadline
Passed this year. 4 months until 7 February 2027
Why it matters
Your third quarterly update covers income and expenses up to 5 January, and it lands days after the Self Assessment deadline.
Prep action
Keep on top of January records so the update is ready while you finish your previous year's Self Assessment return.
Who it affects
Sole traders and landlords with qualifying income over £50,000.
Recurring pattern: Every tax year, for sole traders and landlords within MTD for Income Tax. Suggested reminders: 14 days before and 3 days before.
Related tools and guides
Window
Allowances and threshold updates
Ofgem energy price cap announcement (April cap)
Usually late February
Allowances and threshold updates
Ofgem energy price cap announcement (April cap)
Usually late February
Why it matters
The April cap change lands alongside the new tax year and resets annual energy budgeting.
Prep action
Renew or switch tariffs once the new cap is known, and update your bill forecasts.
Who it affects
Every household on a default energy tariff.
Recurring pattern: Ofgem announces the next quarter's cap roughly a month before it takes effect. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
Window
Allowances and threshold updates
Broadband and mobile mid-contract price rise window
Usually February to April
Allowances and threshold updates
Broadband and mobile mid-contract price rise window
Usually February to April
Why it matters
Many broadband, mobile and pay-TV contracts rise by CPI plus 3.9%, adding tens of pounds a year to household bills.
Prep action
Check your contract renewal date before the rise and use the exit window to haggle or switch.
Who it affects
Broadband, mobile and pay-TV customers mid-contract.
Recurring pattern: Inflation-linked mid-contract rises typically land in spring each year. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
March
1 eventWindow
Budget and fiscal events
Spring fiscal event (Spring Budget or Forecast window)
Usually March
Budget and fiscal events
Spring fiscal event (Spring Budget or Forecast window)
Usually March
Why it matters
Can include policy updates, threshold freezes, and fiscal outlook changes ahead of year-end planning.
Prep action
Review policy announcements and update salary, tax, and savings plans before tax year close.
Who it affects
All UK taxpayers and households planning around tax-year end.
Recurring pattern: Date announced by HM Treasury and delivered in Parliament. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
April
5 events05
Apr
Tax year milestones
UK tax year ends
Passed this year. 6 months until 5 April 2027
Passed this cycle
Tax year milestones
UK tax year ends
Passed this year. 6 months until 5 April 2027
Why it matters
This is the hard cut-off for annual allowances and tax-year reporting windows.
Prep action
Finalise ISA and pension top-ups, and reconcile income records before midnight.
Who it affects
Employees, self-employed workers, investors, landlords, and pension savers.
Recurring pattern: Every year on 5 April. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
06
Apr
Tax year milestones
New UK tax year starts
Passed this year. 6 months until 6 April 2027
Passed this cycle
Tax year milestones
New UK tax year starts
Passed this year. 6 months until 6 April 2027
Why it matters
New allowances, bands, and policy changes usually apply from this date.
Prep action
Update payroll assumptions and refresh your tax, pension, and salary projections.
Who it affects
Anyone planning take-home pay, salary sacrifice, pension, or investment decisions.
Recurring pattern: Every year on 6 April. Suggested reminders: 14 days before and 3 days before.
Related tools and guides
01
Apr
Allowances and threshold updates
National Living Wage and minimum wage rates increase
Passed this year. 5 months until 1 April 2027
Passed this cycle
Allowances and threshold updates
National Living Wage and minimum wage rates increase
Passed this year. 5 months until 1 April 2027
Why it matters
New minimum wage rates apply from April, changing take-home pay for millions of workers.
Prep action
Check your hours and rate against the new bands, and re-run salary projections if your contract changes.
Who it affects
Employees on or near minimum wage, part-time workers, and their employers.
Recurring pattern: Every year on 1 April. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
01
Apr
Allowances and threshold updates
Car tax (VED) rates change
Passed this year. 5 months until 1 April 2027
Passed this cycle
Allowances and threshold updates
Car tax (VED) rates change
Passed this year. 5 months until 1 April 2027
Why it matters
Vehicle Excise Duty rates reset each April, including first-year rates for new cars and annual rates for older vehicles.
Prep action
Check the new rates before buying, keeping or renewing a car, and factor them into running-cost comparisons.
Who it affects
Anyone who owns, buys or leases a car, van or motorcycle.
Recurring pattern: Every year on 1 April. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
Window
Allowances and threshold updates
Child Benefit rate changes
Rates apply from April each year
Allowances and threshold updates
Child Benefit rate changes
Rates apply from April each year
Why it matters
Child Benefit rates and the High Income Child Benefit Charge threshold change annually, affecting family budgeting.
Prep action
Review your entitlement and whether the High Income Child Benefit Charge applies to your household.
Who it affects
Families with children under 16, or under 20 in approved education.
Recurring pattern: Weekly rates are confirmed in the autumn fiscal event and applied each April. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
May
3 events07
May
HMRC deadlines
Making Tax Digital: fourth quarterly update deadline
Passed this year. 7 months until 7 May 2027
Passed this cycle
HMRC deadlines
Making Tax Digital: fourth quarterly update deadline
Passed this year. 7 months until 7 May 2027
Why it matters
The final update closes the tax year's records, after which your software assembles your 2026/27 tax return.
Prep action
Reconcile the year's final quarter and use the update's tax estimate to plan your 31 January 2028 payment.
Who it affects
Sole traders and landlords with qualifying income over £50,000.
Recurring pattern: Every tax year, for sole traders and landlords within MTD for Income Tax. Suggested reminders: 14 days before and 3 days before.
Related tools and guides
31
May
HMRC deadlines
Employers must give you your P60
Passed this year. 7 months until 31 May 2027
Passed this cycle
HMRC deadlines
Employers must give you your P60
Passed this year. 7 months until 31 May 2027
Why it matters
Your P60 records your pay and tax for the tax year just ended. You need it to check your tax code, claim tax back, or apply for credit.
Prep action
Check your P60 against your payslips and query any mismatch with HMRC before the next tax year runs on.
Who it affects
Every employee paid through PAYE.
Recurring pattern: Every year on 31 May. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
Window
Allowances and threshold updates
Ofgem energy price cap announcement (July cap)
Usually late May
Allowances and threshold updates
Ofgem energy price cap announcement (July cap)
Usually late May
Why it matters
The July cap sets summer unit rates, usually the cheapest quarter for energy use.
Prep action
Review annual consumption and consider fixed deals if the forward outlook is higher.
Who it affects
Every household on a default energy tariff.
Recurring pattern: Ofgem announces the next quarter's cap roughly a month before it takes effect. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
July
1 event31
Jul
HMRC deadlines
Self Assessment second payment on account deadline
Passed this year. 9 months until 31 July 2027
Passed this cycle
HMRC deadlines
Self Assessment second payment on account deadline
Passed this year. 9 months until 31 July 2027
Why it matters
Late payment can trigger interest and penalties on your tax bill.
Prep action
Set aside cash early and confirm your payment-on-account estimate before the due date.
Who it affects
Self-employed people, landlords, and others paying via Self Assessment.
Recurring pattern: Every year on 31 July. Suggested reminders: 14 days before and 3 days before.
Related tools and guides
August
1 event07
Aug
HMRC deadlines
Making Tax Digital: first quarterly update deadline
Passed this year. 10 months until 7 August 2027
Passed this cycle
HMRC deadlines
Making Tax Digital: first quarterly update deadline
Passed this year. 10 months until 7 August 2027
Why it matters
The first cohort of sole traders and landlords must send their opening quarterly income and expense summary to HMRC via MTD software.
Prep action
If you have not started yet, sign up and begin logging digital records immediately.
Who it affects
Sole traders and landlords with qualifying income over £50,000.
Recurring pattern: Every tax year, for sole traders and landlords within MTD for Income Tax. Suggested reminders: 14 days before and 3 days before.
Related tools and guides
September
1 event17
Sept
Bank of England and rates
Bank of England Bank Rate decision: September
Passed this year. 11 months until 17 September 2027
Passed this cycle
Bank of England and rates
Bank of England Bank Rate decision: September
Passed this year. 11 months until 17 September 2027
Why it matters
The next Bank Rate decision after the summer break, closely watched by mortgage holders and savers.
Prep action
If you are fixing a mortgage or moving savings, compare options before and after the decision.
Who it affects
Mortgage holders, savers, investors, and borrowers.
Recurring pattern: One of 8 scheduled MPC decision dates in 2026. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
October
3 events05
Oct
HMRC deadlines
Tell HMRC you need to file Self Assessment
Passed this year. 12 months until 5 October 2027
Passed this cycle
HMRC deadlines
Tell HMRC you need to file Self Assessment
Passed this year. 12 months until 5 October 2027
Why it matters
Missing registration deadlines can lead to compliance issues and rushed filing.
Prep action
Register as soon as you know you need to file instead of waiting for October.
Who it affects
Newly self-employed people, landlords, and taxpayers with untaxed income.
Recurring pattern: Every year on 5 October. Suggested reminders: 14 days before and 3 days before.
Related tools and guides
31
Oct
HMRC deadlines
Self Assessment paper return deadline
15 days until 31 October 2026
Due soonThis quarter
HMRC deadlines
Self Assessment paper return deadline
15 days until 31 October 2026
Why it matters
Paper returns have an earlier filing cut-off than online returns.
Prep action
Use online filing where possible to keep flexibility and reduce deadline risk.
Who it affects
Taxpayers submitting paper SA100 returns.
Recurring pattern: Every year on 31 October. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
Window
Budget and fiscal events
Autumn fiscal event (Budget or Autumn Statement window)
Usually October to November
Budget and fiscal events
Autumn fiscal event (Budget or Autumn Statement window)
Usually October to November
Why it matters
Major tax and spending changes are often announced here and can affect planning for the next tax year.
Prep action
Track HM Treasury updates and model best/worst-case scenarios before policy changes land.
Who it affects
All UK households, business owners, investors, and employers.
Recurring pattern: Date set by HM Treasury and announced ahead of Parliament statement. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
November
4 events05
Nov
Bank of England and rates
Bank of England Bank Rate decision: November
20 days until 5 November 2026
Due soonThis quarter
Bank of England and rates
Bank of England Bank Rate decision: November
20 days until 5 November 2026
Why it matters
The November decision comes with a quarterly Monetary Policy Report, which can shift rate expectations into 2027.
Prep action
Review any variable-rate debt and savings rates in light of the decision and the updated outlook.
Who it affects
Mortgage holders, savers, investors, and borrowers.
Recurring pattern: One of 8 scheduled MPC decision dates in 2026. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
07
Nov
HMRC deadlines
Making Tax Digital: second quarterly update deadline
22 days until 7 November 2026
Due soonThis quarter
HMRC deadlines
Making Tax Digital: second quarterly update deadline
22 days until 7 November 2026
Why it matters
Your second quarterly update must cover income and expenses up to 5 October, and your predicted tax bill updates with it.
Prep action
Reconcile the quarter's records in your MTD software and send the update before the deadline.
Who it affects
Sole traders and landlords with qualifying income over £50,000.
Recurring pattern: Every tax year, for sole traders and landlords within MTD for Income Tax. Suggested reminders: 14 days before and 3 days before.
Related tools and guides
Window
Allowances and threshold updates
Ofgem energy price cap announcement (January cap)
Usually late November
Allowances and threshold updates
Ofgem energy price cap announcement (January cap)
Usually late November
Why it matters
The January to March cap sets unit rates and standing charges for the coldest quarter of the year.
Prep action
Use the announced rates to estimate winter bills and review direct debit levels.
Who it affects
Every household on a default energy tariff.
Recurring pattern: Ofgem announces the next quarter's cap roughly a month before it takes effect. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
Window
Allowances and threshold updates
State Pension and benefit uprating announcement window
Usually confirmed with the autumn fiscal event
Allowances and threshold updates
State Pension and benefit uprating announcement window
Usually confirmed with the autumn fiscal event
Why it matters
The annual uprating sets the State Pension and benefit rates for the next tax year, anchoring retirement income plans.
Prep action
Update retirement projections when the new rates are confirmed and check eligibility for means-tested top-ups.
Who it affects
State Pension recipients, benefit claimants, and pension planners.
Recurring pattern: Uprating for the following April is confirmed each autumn. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
December
3 events17
Dec
Bank of England and rates
Bank of England Bank Rate decision: December
2 months until 17 December 2026
This quarter
Bank of England and rates
Bank of England Bank Rate decision: December
2 months until 17 December 2026
Why it matters
The final rate decision of 2026, ahead of the January Self Assessment payment season.
Prep action
Factor the outcome into 2027 mortgage and savings planning before the festive break.
Who it affects
Mortgage holders, savers, investors, and borrowers.
Recurring pattern: One of 8 scheduled MPC decision dates in 2026. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
30
Dec
HMRC deadlines
Deadline to file online and pay via tax code
2 months until 30 December 2026
This quarter
HMRC deadlines
Deadline to file online and pay via tax code
2 months until 30 December 2026
Why it matters
This is the cut-off if you want HMRC to collect eligible Self Assessment tax via PAYE code.
Prep action
Submit online return before this date if you prefer payment through your tax code.
Who it affects
PAYE taxpayers who also file Self Assessment and want tax-code collection.
Recurring pattern: Every year on 30 December. Suggested reminders: 14 days before and 3 days before.
Official sources
Related tools and guides
Window
Budget and fiscal events
Scottish Budget (fiscal statement window)
Usually December
Budget and fiscal events
Scottish Budget (fiscal statement window)
Usually December
Why it matters
Scotland has its own income tax bands and rates, and the Scottish Budget sets them ahead of the UK tax year.
Prep action
Watch for Scottish rate changes if you live in Scotland, then re-run your take-home pay projections.
Who it affects
Scottish taxpayers, especially higher earners and landlords.
Recurring pattern: Delivered annually by the Scottish Government, typically in December. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
All year
2 eventsAll year
Bank of England and rates
Bank of England Bank Rate announcements
Scheduled regularly through the year
Bank of England and rates
Bank of England Bank Rate announcements
Scheduled regularly through the year
Why it matters
Rate changes can affect mortgage costs, savings returns, and debt strategy almost immediately.
Prep action
Watch rate decisions before fixing mortgages, refinancing, or moving large savings balances.
Who it affects
Mortgage holders, savers, investors, and borrowers.
Recurring pattern: Monetary policy decisions are released on scheduled MPC announcement dates. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
All year
Allowances and threshold updates
ONS inflation (CPI) release dates
Usually the third week of each month
Allowances and threshold updates
ONS inflation (CPI) release dates
Usually the third week of each month
Why it matters
Inflation prints move rate expectations, feed pension and benefit uprating, and influence savings and mortgage deals.
Prep action
Watch the release if you are fixing a mortgage rate or reviewing savings returns against inflation.
Who it affects
Savers, mortgage holders, pension planners, and wage earners.
Recurring pattern: The ONS publishes CPI inflation figures monthly, usually mid-month. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
March to April
2 eventsMarch to April
Allowances and threshold updates
Allowance and threshold update window
Typically announced in fiscal events, then applied from 6 April
Allowances and threshold updates
Allowance and threshold update window
Typically announced in fiscal events, then applied from 6 April
Why it matters
Changes to tax bands, NI thresholds, and ISA or pension limits can shift your net income and tax planning.
Prep action
Re-run your annual plan after each major statement and again at tax-year start.
Who it affects
Employees, self-employed taxpayers, investors, pension contributors, and families.
Recurring pattern: Policy announced by HM Treasury/HMRC, operational rates often reflected from new tax year. Suggested reminders: monthly check-in plus alert when official date is announced.
Related tools and guides
March to April
Allowances and threshold updates
Student loan repayment threshold update window
Usually announced in early spring, effective from April
Allowances and threshold updates
Student loan repayment threshold update window
Usually announced in early spring, effective from April
Why it matters
Threshold changes affect whether and how much you repay on your student loan, across all repayment plans.
Prep action
Model your repayments with the new thresholds and check whether your plan or salary puts you above the line.
Who it affects
Anyone with a Plan 1, 2, 4, 5 or Postgraduate student loan.
Recurring pattern: The Department for Education confirms new thresholds each year, applying from April. Suggested reminders: monthly check-in plus alert when official date is announced.
Official sources
Related tools and guides
Build this into your monthly money routine
- Export the ICS file and set reminders 14 days and 3 days before each fixed deadline.
- Re-run your tax and cashflow plan after each major policy event and at the 6 April tax-year reset.
- Use official source links first for date confirmation, then use this page as your single planning dashboard.
Frequently Asked Questions
When does the UK tax year start and end?
+
The UK tax year runs from 6 April to 5 April the following year. Most annual tax planning and allowance resets are anchored to those dates.
What is the main Self Assessment deadline to remember?
+
31 January is the major deadline for online filing and payment of Self Assessment tax. Missing it can trigger automatic penalties and interest.
When is the second payment on account due?
+
The second payment on account deadline is 31 July each year for taxpayers who pay via Self Assessment payments on account.
Where are Bank of England rate announcements published?
+
Bank Rate decisions and supporting material are published by the Bank of England through its monetary policy and news pages.
Are Budget and Autumn Statement dates fixed every year?
+
No. Those dates are announced by HM Treasury and can shift. Always confirm with official HM Treasury and Parliament announcements.
Can I export these dates to my own calendar?
+
Yes. This page provides an ICS download and per-event add-to-calendar options for fixed-date events.
What are the Making Tax Digital quarterly update deadlines?
+
Sole traders and landlords in Making Tax Digital for Income Tax send four quarterly updates a year, due by 7 August, 7 November, 7 February and 7 May. For the 2026/27 tax year that means 7 August 2026, 7 November 2026, 7 February 2027 and 7 May 2027.
When does Ofgem announce the energy price cap?
+
Ofgem announces the next quarter's energy price cap roughly a month before it takes effect: usually late August for October, late November for January, late February for April, and late May for July.
When is the next Bank of England Bank Rate announcement?
+
The next scheduled Bank Rate decision is 17 September 2026, followed by 5 November and 17 December 2026. The Bank publishes its full schedule of Monetary Policy Committee dates in advance each year.
When is the P60 deadline?
+
Employers must give you your P60 by 31 May each year. It records your pay and the tax deducted for the tax year that ended on the previous 5 April.
When do car tax (VED) rates change?
+
Vehicle Excise Duty rates are updated every year on 1 April, including first-year rates for new cars and standard annual rates for existing vehicles.
When is the next inflation (CPI) release?
+
The ONS publishes CPI inflation figures monthly, usually in the third week of each month. The full schedule of release dates is on the ONS release calendar.
What UK financial dates are coming up?
+
For the 2026/27 tax year the next fixed dates are: 31 October 2026 (Self Assessment paper return deadline), 5 November 2026 (Bank of England Bank Rate decision), 7 November 2026 (Making Tax Digital quarterly update), 30 December 2026 (file online and pay via your tax code), 31 January 2027 (Self Assessment online filing and payment deadline), and 6 April 2027 (new tax year starts). The Autumn fiscal event is usually held in November.
When is the next fiscal event or Budget?
+
The UK's main fiscal event (the Budget or Autumn Statement) is usually held in the autumn, most often in November, and a spring fiscal event is usually held in March. Exact dates are set by HM Treasury and announced in Parliament, so always confirm the current date on GOV.UK before planning around it.
What are the upcoming HMRC deadlines for 2026/27?
+
Key HMRC deadlines in 2026/27: 31 October 2026 (paper Self Assessment returns), 7 November 2026 and 7 February 2027 (Making Tax Digital quarterly updates), 30 December 2026 (deadline to file online and pay through your tax code), 31 January 2027 (online Self Assessment filing and payment, plus the first payment on account), and 31 July 2027 (second payment on account).