{"id":23254,"date":"2023-04-18T14:30:00","date_gmt":"2023-04-18T14:30:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-navigate-higher-rate-tax-freeze\/"},"modified":"2026-06-26T14:54:17","modified_gmt":"2026-06-26T14:54:17","slug":"how-navigate-higher-rate-tax-freeze","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-navigate-higher-rate-tax-freeze","title":{"rendered":"How to navigate the higher-rate tax freeze"},"content":{"rendered":"\n

With government figures showing the number of people paying higher-rate income tax is set to soar, it\u2019s worth checking that your finances are organised as tax efficiently as possible.
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Download: A guide to tax-efficient investing<\/h5>\n

Find out how to invest more tax efficiently and reach your goals in our comprehensive guide<\/p>\n

Download now<\/a><\/strong><\/p>\n

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Who pays higher-rate tax?<\/h2>\n\n\n\n

Higher-rate tax kicks in once your income exceeds \u00a350,270. You pay higher-rate tax on the portion of income that falls between \u00a350,271 and \u00a3125,140 (or between \u00a343,663 and \u00a3125,140 in Scotland). Higher-rate tax is charged at 40% (or 42% in Scotland).<\/p>\n\n\n\n

According to HMRC, 5.5 million people were expected to pay higher-rate tax in 2022\/23 \u2013 that\u2019s a 43.9% jump from 2019\/201<\/sup>.<\/p>\n\n\n\n

The reason for the increase stems from the chancellor\u2019s decision in April 2021 to freeze the higher-rate tax threshold rather than increase it in line with inflation. With inflation higher than it has been for many years, pay rises mean significantly more people are being pushed into the higher-rate tax bracket.<\/p>\n\n\n\n

Is there anything I can do about it?<\/h2>\n\n\n\n

Carefully structuring your finances could help to reduce the overall amount of tax you pay. Some of the steps to consider include:<\/p>\n\n\n\n

1. Top up your pension<\/h3>\n\n\n\n

Saving into a pension is a great way of bolstering your long-term financial security \u2013 and it can also reduce how much income tax you pay currently. This is because personal pension contributions lower your \u2018adjusted net income\u2019 \u2013 that\u2019s the income HMRC uses to calculate your tax bill.<\/p>\n\n\n\n

Let\u2019s imagine your total income is \u00a355,270. You would pay 40% tax on the \u00a35,000 of income that falls within the higher-rate tax band. If, however, you made a \u00a35,000 gross personal pension contribution (\u00a34,000 plus \u00a31,000 tax relief), your adjusted net income would fall to \u00a350,270, potentially avoiding higher-rate tax.<\/p>\n\n\n\n

Bear in mind that you can\u2019t withdraw money from a pension until you reach age 55 (57 from April 2028), so make sure you\u2019re comfortable locking away your money for what could be several decades.<\/p>\n\n\n\n

2. Use your ISA allowance<\/h3>\n\n\n\n

ISA contributions don\u2019t have the same effect of lowering your adjusted net income. However, they are a tax-efficient way of saving for pre-retirement goals, such as funding your child\u2019s university education or buying a bigger house.<\/p>\n\n\n\n

You don\u2019t pay income tax or capital gains tax (CGT) on investments inside an ISA and you can withdraw money whenever you like, tax free. You can invest up to \u00a320,000 in ISAs in the 2023\/24 tax year.<\/p>\n\n\n\n

3. Plan your finances as a couple <\/h3>\n\n\n\n

If you\u2019re married or in a civil partnership, your tax allowances effectively double. For example, if you both open an ISA<\/a>, that\u2019s a combined \u00a340,000 that you can shield from income tax and CGT each year.<\/p>\n\n\n\n

For investments outside an ISA, the CGT exemption lets you realise investment gains of up to \u00a36,000 in the 2023\/24 tax year without paying tax, which doubles to \u00a312,000 for couples. Meanwhile, the personal savings allowance lets you earn up to \u00a3500 a year in tax-free savings interest if you\u2019re a higher-rate taxpayer or up to \u00a31,000 if you\u2019re a basic-rate taxpayer.<\/p>\n\n\n\n

If you\u2019re a higher-rate taxpayer but your spouse isn\u2019t, it might make sense to transfer taxable savings and investments into their name to benefit from a lower rate of tax.<\/p>\n\n\n\n

Next steps<\/h2>\n\n\n\n

Tax is pretty bewildering and it shouldn\u2019t be the only factor influencing your financial decisions. It\u2019s really important to speak to a financial adviser about what\u2019s right for you. They\u2019ll take a thorough look at your finances to help you understand the best place for your savings and investments, so you can feel confident you\u2019ve made the right decision with your money.<\/p>\n\n\n\n

For smart advice that\u2019s tailored to you, speak to one of our advisers today<\/a>.<\/p>\n\n\n\n

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1 <\/sup>https:\/\/www.gov.uk\/government\/statistics\/income-tax-liabilities-statistics-tax-year-2019-to-2020-to-tax-year-2022-to-2023\/summary-statistics<\/a><\/p>\n

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The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. Information is provided only as an example and is not a recommendation to pursue a particular strategy. Information contained in this document is believed to be reliable and accurate, but without further investigation cannot be warranted as to accuracy or completeness.<\/strong><\/p>\n

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Get financial planning tips straight to your inbox<\/h5>\n

Sign up to our newsletter for expert insights on investing for the future, saving for retirement, passing on assets to the next generation, and much more.<\/p>\n

Subscribe<\/a><\/strong><\/p>\n

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Find out what the freezing of the higher-rate income tax threshold means for you and some of the ways to mitigate its 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