Budget 2027 introduces personal income tax rate cuts and expands reliefs for middle-income families, upskilling, and first-time home buyers. However, taking advantage of a tax relief or a stamp duty exemption doesn't automatically make it a sound financial decision.

Poovarni Rajagopal, Tax Partner at Invatex Consulting, breaks down the new M40 tax brackets and explains what the "sandwich generation" can now claim, from elderly caretaker costs to children's tuition fees and AI subscriptions.

She walks through the financial math behind homeownership incentives, the one essential question to ask before spending money for a tax deduction, and why proper documentation matters more than the relief itself as year-end approaches.