Need money back in a particular year — for a house deposit, school fees or the first years of retirement? Pick the year to see every gilt that repays then, ranked by what you keep after tax. Prices as of the 4 Nov 2026 close.
| Year | Conventional | Index-linked | Best after 40% tax | Net at 40% | Savings rate to match |
|---|---|---|---|---|---|
| 2027 | 4 | 1 | TG27 22 Jul 2027 | 3.57% | 6.03% |
| 2028 | 5 | 1 | TN28 31 Jan 2028 | 4.03% | 6.87% |
| 2029 | 4 | 1 | TG29 31 Jan 2029 | 4.38% | 7.50% |
| 2030 | 4 | 1 | TG30 22 Oct 2030 | 4.50% | 7.73% |
| 2031 | 3 | 1 | TG31 31 Jul 2031 | 4.56% | 7.84% |
| 2032 | 3 | 1 | TG32 31 Jan 2032 | 4.37% | 7.51% |
| 2033 | 3 | 1 | TG33 31 Jul 2033 | 4.51% | 7.76% |
| 2034 | 3 | 1 | TS34 31 Jul 2034 | 3.17% | 5.46% |
| 2035 | 3 | 2 | TG35 31 Jul 2035 | 4.74% | 8.15% |
| 2036 | 2 | 1 | T4Q 7 Mar 2036 | 3.26% | 5.62% |
| 2037 | 2 | 1 | TG37 7 Sep 2037 | 4.34% | 7.47% |
| 2038 | 2 | 1 | TG38 29 Jan 2038 | 3.56% | 6.13% |
| 2039 | 2 | 1 | TR39 31 Jan 2039 | 4.68% | 8.06% |
| 2040 | 2 | 1 | T40 7 Dec 2040 | 3.47% | 5.97% |
| 2041 | 2 | 1 | TG41 22 Oct 2041 | 4.71% | 8.11% |
| 2042 | 1 | 1 | T42 7 Dec 2042 | 3.46% | 5.96% |
| 2043 | 1 | 0 | TR43 22 Oct 2043 | 3.43% | 5.90% |
| 2044 | 1 | 1 | TG44 22 Jan 2044 | 3.92% | 6.75% |
| 2045 | 1 | 1 | T45 22 Jan 2045 | 3.83% | 6.59% |
| 2046 | 2 | 1 | TG46 31 Jan 2046 | 5.01% | 8.64% |
| 2047 | 1 | 1 | TG47 22 Jul 2047 | 4.66% | 8.03% |
| 2048 | 0 | 1 | Index-linked only | — | — |
| 2049 | 2 | 1 | TG49 22 Jan 2049 | 4.51% | 7.77% |
| 2050 | 1 | 1 | TG50 22 Oct 2050 | 5.13% | 8.83% |
| 2051 | 1 | 1 | T51A 31 Jul 2051 | 4.75% | 8.19% |
| 2052 | 1 | 1 | T52 22 Jul 2052 | 3.70% | 6.37% |
| 2053 | 2 | 0 | TG53 31 Jul 2053 | 4.58% | 7.90% |
| 2054 | 2 | 1 | TR54 22 Oct 2054 | 4.46% | 7.69% |
| 2055 | 1 | 1 | TR4Q 7 Dec 2055 | 3.53% | 6.08% |
| 2056 | 1 | 1 | T56 31 Jan 2056 | 3.30% | 5.68% |
| 2057 | 1 | 0 | TG57 22 Jul 2057 | 4.32% | 7.45% |
| 2058 | 0 | 1 | Index-linked only | — | — |
| 2060 | 1 | 0 | TR60 22 Jan 2060 | 3.52% | 6.07% |
| 2061 | 1 | 0 | TG61 22 Oct 2061 | 4.78% | 8.24% |
| 2062 | 0 | 1 | Index-linked only | — | — |
| 2063 | 1 | 0 | TR63 22 Oct 2063 | 3.47% | 5.99% |
| 2065 | 1 | 1 | TG65 22 Jul 2065 | 3.79% | 6.53% |
| 2068 | 1 | 1 | TR68 22 Jul 2068 | 3.47% | 5.98% |
| 2071 | 1 | 0 | TG71 22 Oct 2071 | 3.84% | 6.62% |
| 2073 | 1 | 1 | TR73 22 Oct 2073 | 3.92% | 6.76% |
Spreading money across several years? The ladder builder picks the best gilt for each year you need cash. To rank every gilt by what it returns by a date, use Need it by on the gilt table.
Net yields at 40% (42% on coupons paid from 6 April 2027), no unused Personal Savings Allowance, held to repayment. Indicative closing prices. Information only, not financial advice.
Information only — not financial advice. Gilt prices are indicative from last available close (4 Nov 2026) and may be delayed. Verify before transacting. UK tax treatment may change.