The tax, pension and savings changes UK contractors need to keep on top of

The 2026/27 tax year might not be bringing one dramatic overhaul, but it marks the beginning of a multi-year shift that will reshape how contractors, freelancers and limited company directors manage their money.

We’ve already had the introduction of Making Tax Digital. And with ISA reforms and future restrictions on salary sacrifice, the direction is clear: more tax exposure, fewer easy wins, and a greater need for proactive planning.

Here’s a breakdown of the most important changes for contractors and what they mean in practice.

Disclaimer: The following is an informational overview of planned changes, correct as of the date of writing (June 2026). Always seek professional advice in relation to your own finances and how any changes might impact you.