Editorial
Figures update log
The dated limits and rates used in Talreon calculators and guides, the official source for each, and when it was last checked.
| Figure | Period | Value used | Source | Last checked |
|---|---|---|---|---|
| US 401(k) | 2026 | $24,500 employee deferral; $8,000 catch-up at 50+; $11,250 at ages 60–63 if the plan allows; $72,000 total excluding catch-up | IRS | 19 Oct 2026 |
| US IRA (traditional and Roth) | 2026 | $7,500 across all IRAs; $1,100 catch-up at 50+ | IRS | 19 Oct 2026 |
| UK ISA allowance | 2026–27 tax year | £20,000 across all ISAs | GOV.UK | 19 Oct 2026 |
| UK SDLT (England & NI) | Current residential bands | 0% to £125,000; 2% to £250,000; 5% to £925,000; 10% to £1.5m; 12% above; first-time buyers 0% to £300,000 | GOV.UK | 18 Oct 2026 |
| Canada TFSA | 2026 | $7,000 dollar limit | CRA | 19 Oct 2026 |
| Canada RRSP | 2026 | $33,810 dollar limit (deduction limit generally the lesser of 18% of prior-year earned income and this amount, plus unused room) | CRA | 19 Oct 2026 |
| Australia super guarantee | 2026–27 | 12% of ordinary time earnings | ATO | 19 Oct 2026 |
| Australia concessional cap | From 1 July 2026 | $32,500 (was $30,000) | ATO | 19 Oct 2026 |
| Singapore HDB concessionary loan rate | 1 Oct – 31 Dec 2026 | 2.6% a year | HDB / CPF Board | 18 Oct 2026 |
| Singapore Buyer's Stamp Duty | Residential, from 15 Feb 2023 | 1% / 2% / 3% / 4% / 5% / 6% slices | IRAS | 19 Oct 2026 |
| Malaysia EPF (employees below 60) | Current | Employee 11%; employer 13% (wages RM5,000 and below) or 12% (above RM5,000) | KWSP | 19 Oct 2026 |
| UK self-employed Income Tax | 2026–27 tax year | Personal Allowance £12,570 (tapered £1 per £2 over £100,000); 20% to £50,270; 40% to £125,140; 45% above (not Scotland) | GOV.UK | 21 Oct 2026 |
| UK Class 4 and Class 2 NI | 2026–27 tax year | Class 4: 6% on profits £12,570–£50,270, 2% above; Class 2 treated as paid at £7,105+ profit, voluntary £3.65/week | GOV.UK | 21 Oct 2026 |
| US self-employment tax | 2026 | 15.3% (12.4% + 2.9%) on 92.35% of net profit; Social Security wage base $184,500; quarterly dates 15 Apr, 15 Jun, 15 Sep 2026, 15 Jan 2027 | IRS Form 1040-ES | 21 Oct 2026 |
| UK employee Class 1 NI | 2026–27 tax year | Category A: 8% from £12,570 to £50,270; 2% above | GOV.UK | 22 Oct 2026 |
| UK student loan repayments | 2026–27 tax year | 9% over Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000; Postgraduate 6% over £21,000 | GOV.UK | 22 Oct 2026 |
| Canada minimum qualifying rate | Current | Greater of contract rate + 2% or 5.25% | OSFI | 22 Oct 2026 |
| CMHC insurance premiums | Current | 0.60% / 1.70% / 2.40% / 2.80% / 3.10% / 4.00% of the loan by LTV band up to 95% | CMHC | 22 Oct 2026 |
| Queensland transfer duty | Current; first home concession for contracts from 9 June 2024 | General and home concession rates; first home concession $17,350 below $710,000, tapering to nil at $800,000 | QRO | 22 Oct 2026 |
Review schedule
These figures are reviewed each January and April, and whenever an official source announces a change. Always confirm with the source before acting.
Change history
- 25 Oct 2026: added a Malaysia EPF Akaun Fleksibel withdrawal guide linking to current KWSP application and eligibility information.
- 25 Oct 2026: added Malaysia YA 2025 tax relief checklist, linked to LHDN relief guidance and 2026 filing programme. Figures are stated as headline caps and require user eligibility checks.
- 22 Oct 2026: added UK NI and student loan (GOV.UK), Canada qualifying rate (OSFI), CMHC premiums and Queensland transfer duty (QRO) figures.
- 21 Oct 2026: added UK self-employed Income Tax and NI (GOV.UK) and US self-employment tax (IRS) figures for new calculators.
- 21 Oct 2026: log published, using the checks recorded on 18–19 Oct 2026.
- 19 Oct 2026: IRS, CRA, ATO, GOV.UK ISA, IRAS and KWSP figures checked; all matched.
- 18 Oct 2026: GOV.UK SDLT bands and HDB/CPF rate checked.
See the editorial team page for how pages are reviewed.
Educational information only; not financial, tax, legal, or investment advice.