The UK’s Autumn Budget 2025 has finally been announced after months of speculation, and it brings news that affects business owners, property owners, savers, and employees alike. At Digital Tax Matters, we understand that keeping up with changes in tax and finance can feel overwhelming, especially when multiple “stealth” measures are at play. That’s why we’ve created a comprehensive PDF guide breaking down everything you need to know about the Budget 2025.
What Did The Budget Cover?
Delivered by Chancellor Rachel Reeves in late November, the Autumn Budget 2025 focuses on tax freezes, new levies, and spending plans. Key highlights include:
- Income tax and National Insurance thresholds frozen until 2031, effectively a stealth tax on future pay rises.
- Introduction of e-VED (digital vehicle tax).
- Higher taxes on savings and dividends, impacting both individuals and company shareholders.
- State pension increases, providing some relief for retirees.
While headline tax rates remain largely unchanged, the overall tax burden is increasing through indirect or “stealth” measures. The government’s aim is to fund public services and address fiscal challenges without raising the standard rates of tax.
How We Can Help
At Digital Tax Matters, we work with clients across a wide range of industries, as well as individuals managing their private finances. We know the Budget can feel daunting, so we’ve summarised all the updates in an easy-to-digest PDF tailored to different groups:
- Employed Individuals: While income tax rates remain the same, thresholds are frozen until 2031, meaning more of your future income could be taxed. Employees paying into salary sacrifice pensions above £2,000 per year will also face NICs from April 2029.
- Business Owners: Rises in minimum and living wage, along with NIC changes on pension contributions, could impact staffing and recruitment. From January 2026, capital allowances for equipment purchases will be increased, while dividend tax rates will rise for company shareholders from April 2026.
- Property Owners:Rental profits will see a 2% increase in property income tax from April 2027, and properties over £2 million will face a £2,500 annual council tax surcharge from April 2028. Capital gains tax rates remain unchanged.
- Savers: The ISA allowance stays at £20,000, but from April 2027, there will be limits on cash ISA contributions for those under 65. Savings income will also be subject to higher taxes from April 2027.
Our guide also runs through:
- Taxes on income
- Digital record-keeping and quarterly requirements
- Minimum wage rates
- Employment taxes
- Capital gains tax
- Inheritance tax
- Capital allowances
- Business matters
- VAT
- Stamp duty
Download Our Full Budget 2025 Guide
To help you navigate these changes, we’ve created a full PDF guide with all the details you need to understand how the Budget affects your business and personal finances. Whether you’re an employed individual, business owner, property investor, or saver, it’s all covered in one handy document.
At Digital Tax Matters, we’re here to help businesses and individuals alike. Now is a great time to re-evaluate your business and personal plans for 2026 to ensure you remain as tax-efficient as possible. If you have any questions or want to discuss your specific situation, don’t hesitate to get in touch – we’re here to support you.