The Three Rules: Explained Plainly
This is the binding constraint. Every policy commitment that increases day to day spending requires a corresponding tax rise or a spending cut elsewhere. The rule is designed to show that public services today are paid for by revenues today, while investment can still be financed over time.
Reeves moved the debt measure from public sector net debt to public sector net financial liabilities. That measure counts a broader range of financial assets as well as liabilities. The principle is simple: borrowing for an asset with a future return is not the same as borrowing for permanent day to day spending.
The cap limits policy driven welfare increases, while allowing the forecast to adjust if the economy changes. The programme's social care, work and employment measures should be judged partly by whether they reduce hidden welfare and NHS costs rather than simply moving them between departments.
How the Programme Sits Within the Rules
| Programme commitment | Rule | Status | How it works |
|---|---|---|---|
| Infrastructure bonds for HS2, water, grid, social housing and Irish Sea links | Investment Rule | Compatible | Financed against future revenues and assets, not routine day to day departmental spending. |
| Wealth levy above £2m | Stability Rule | Strengthens it | New recurring revenue creates room inside the current budget rule. |
| Capital gains tax aligned with income tax | Stability Rule | Strengthens it | Revenue funds employment tax cuts and the birth bond within the current budget constraint. |
| 3,000 asylum caseworkers | Stability Rule | Compatible | Day to day spending is offset by reduced accommodation costs when cases are processed faster. |
| Legal aid restoration | Stability Rule | Compatible | Current spending funded from current revenue. |
| Employer NI sectoral cut | Stability Rule | Compatible | Funded by the wider tax package, including capital gains, land value and wealth measures. |
| Dilnot social care cap | Stability Rule | Compatible | Funded explicitly by wealth taxation, rather than by general borrowing. |
| Hospitality VAT cut | Stability Rule | Tension | A revenue reduction must be matched by revenue elsewhere. The online warehouse levy partly addresses that pressure. |
| Birth bond | Stability Rule | Compatible | Funded by wealth taxation, with early years bridged by capital gains revenue while the wealth levy matures. |
| National Social Care Property Fund | Investment Rule | Compatible | A property backed vehicle that becomes self financing from rental income rather than a permanent call on the current budget. |
The programme keeps the framework. It changes what happens inside it. The stability rule is met through revenue. The investment rule is met by treating productive infrastructure as investment rather than pretending it is the same as day to day spending.
The Case for Keeping the Rules
The strongest case for staying
The strongest case for departing
The Programme Position: Honest
The programme keeps the rules because it does not need to break them. The revenue package is large enough to fund day to day commitments within the stability rule. The infrastructure programme sits within the investment rule because it is built around assets and future returns.
The case for departure is a long term institutional argument. It belongs after the programme has proved that serious investment can coexist with fiscal discipline, not before.
The position is clear: keep the framework, change what happens inside it. If revenue underperforms in years one and two, the response is adjustment within the rules, not abandonment of them.