Overview

• The five schemes include the marriage allowance, trading allowance, rent-a-room relief, tax-free childcare subsidy and a £5,000 savings allowance.
• Households that claim all five measures can unlock up to £16,000 in untaxed income and use rent-a-room via self-assessment to boost their personal allowance to £20,070.
• The standard personal allowance has been held at £12,570 until at least 2028, pushing more earners into higher tax brackets as wages rise.
• Since May, HMRC has stepped up data-matching and public guidance to highlight these under-claimed allowances among savers, self-employed earners and working parents.
• Experts urge families to check eligibility and submit self-assessment returns where needed, warning that many remain unaware of these entitlements.