UK Pensioner Tax Companion 2026/27

A substantial 329-page interactive guide addressing more than 400 pensioner tax enquiries

Normal price: £14.99

Limited launch offer: only £7.99

Have a pensioner tax question? Click once and go straight to the answer.

Do you understand your tax code? Have you received a letter or calculation from HMRC and do not know what to do? Are you worried about tax on your State Pension, private pensions, savings, pension withdrawals, property or investments?

Perhaps you are still working and saving for retirement—but want to understand how your pensions and other income could be taxed when you retire.

The UK Pensioner Tax Companion 2026/27 brings clear, practical guidance together in one comprehensive digital reference guide.

This is not a short leaflet or a brief tax summary. It is a large and substantial 329-page interactive PDF, created for pensioners, people approaching retirement and anyone who wants to prepare for the tax consequences of retirement.

It contains 100 comprehensive main questions, together with numerous sub-questions addressing the additional issues that arise within each subject. Altogether, the Companion addresses more than 400 individual pensioner tax enquiries across 12 practical areas of taxation.

Find answers to the questions that matter to you

The Companion can help you understand:

• whether your State Pension and private pensions are taxable;
• how tax could affect the retirement income you are currently building;
• why HMRC may have changed your tax code;
• what codes such as BR, K, 0T and NT mean;
• what to check when you receive an HMRC letter or calculation;
• how tax is collected when you have more than one pension;
• emergency tax on pension withdrawals and how to reclaim an overpayment;
• how tax-free pension cash works;
• tax on savings interest, investments and dividends;
• Marriage Allowance and other important allowances;
• working and making pension contributions after State Pension age;
• rental income and the Rent a Room Scheme;
• Capital Gains Tax when property or other assets are sold;
• overseas pensions and double-taxation issues;
• and important tax matters following a bereavement.

Practical help—not simply a statement of the rules

Depending on the subject, answers include:

• important 2026/27 figures and thresholds;
• clear step-by-step explanations;
• worked examples in pounds and pence;
• practical checks you can carry out yourself;
• information to gather before contacting HMRC;
• useful questions to ask HMRC;
• common mistakes and misunderstandings;
• links to related questions within the Companion;
• and links to relevant official GOV.UK guidance.

This makes the Companion useful when dealing with an immediate tax concern—and as a long-term reference when planning your retirement or facing a new financial decision.

Exceptionally easy to use

You do not need specialist tax knowledge or advanced computer skills, and you do not have to read all 329 pages.

Simply:

1. Open the PDF on your computer, laptop or tablet.
2. Go to the Top 100 Question Finder.
3. Select the question closest to your concern.
4. Click the clearly marked link.
5. Go directly to the detailed answer.
6. Click the return link when you want to go back to the Question Finder.

You can also move directly between related questions and open relevant official guidance.

The Companion has been deliberately designed to make a large and complicated subject feel manageable. Whether you need one immediate answer or want to explore a subject in greater detail, the guidance you need is only a few clicks away.

Twelve practical areas of pensioner tax

The Companion covers:

1. Understanding pensioner tax
2. Allowances and tax bands
3. State Pension and benefits
4. PAYE, tax codes and HMRC
5. Multiple pensions
6. Private pension withdrawals
7. Emergency tax and repayments
8. Savings, investments and dividends
9. Marriage, disability and allowances
10. Working and pension contributions
11. Property and Capital Gains Tax
12. Overseas and bereavement tax

Guidance for people throughout the United Kingdom

The Companion is written for readers in England, Scotland, Wales and Northern Ireland.

It identifies important differences where Scottish Income Tax rules differ from those applying in England, Wales and Northern Ireland, while also explaining the allowances and pension-tax rules that apply throughout the UK.

Written in clear, accessible language

The Companion was created by Angela “Angie” Horner, a retired UK public finance accountant and the presenter of UK Money Wisdom.

It bridges the gap between complex official guidance and the practical questions people face while preparing for retirement and after they retire.

Whether you want to understand a tax code, check an HMRC calculation, prepare before contacting HMRC or consider how a financial decision could affect your tax, the Companion gives you a clear and reliable place to begin.

A NOTE ABOUT PRINTING

This is a substantial 329-page interactive digital Companion, designed primarily to be used on screen. You do not need to print the whole Companion — simply use the Question Finder, click the question you need and go straight to the answer. Individual pages can, of course, be printed if you prefer.

What you will receive

Your purchase includes:

• the complete 329-page UK Pensioner Tax Companion 2026/27;
• 100 comprehensive main questions;
• numerous additional sub-questions;
• guidance addressing more than 400 individual tax enquiries;
• worked examples, practical checks and common-mistake warnings;
• clickable question, answer and return navigation;
• links between related questions;
• live links to relevant official guidance;
• Angie’s contact email address at the end of the Companion;
• and immediate digital access following purchase.

The price is a single payment. There is no subscription or recurring charge.

This is a digital product supplied as an interactive PDF. No printed book will be posted.

Secure your launch discount

For a limited time, the INTRODUCTORY OFFER is £7.99

Download the UK Pensioner Tax Companion 2026/27 today and keep this substantial, practical reference guide available throughout your journey into—and through—retirement.

Important information

The Companion provides general educational information and guidance. It does not constitute individual tax, financial or legal advice. Tax treatment depends on personal circumstances, and tax rules and official guidance can change. Where necessary, seek assistance from HMRC or an appropriately qualified professional.

Angie’s contact email address is included so readers can provide feedback, report difficulty using the Companion or suggest subjects for future updates. Individual tax advice cannot be provided by email.