Start Income Tax collection from £12,000 and alter every several years. This is small reduction from current level of £12,700. It is simpler and would raise a substantial amount of Income Tax and be more transparent.

The freezing of the income tax personal allowance in recent years, is a stealth tax on working people, especially whilst benefits paid go up by inflation.

The government argues it's protecting the vulnerable by raising benefits with inflation, while simultaneously making working people worse off through frozen tax thresholds. This undermines the principle that work should pay and creates a system where inflation protection is selective rather than universal. If the personal allowance had increased with inflation since 2021, it would be approximately £14,500-£15,000 today plus Millions of low earners would pay less tax or no tax at all.

Ideally looking to increase to £18,000 in 5 years or less if it can be afforded. This change would cost £20 Billion and would benefit the lower wage earners most.

We must challenge the public expectation that the Personal Allowance should automatically rise with inflation each year. Instead, it should be reviewed once per parliament. So limited and predicated fiscal drag.

Any increase should be a deliberate policy choice, made only when the UK’s finances are sound, and the national debt is reducing. While this means "fiscal drag" will occur in some years—pulling more people into tax as wages rise—it treats this as a necessary tool for managing the economy. This approach prioritises long-term financial stability over automatic annual promises.