Free tax checks

Ten checks that ask one question a screen, build a full picture, then hand back a report — what you are owed, the rule behind it, the deadline, and exactly how to claim. Free, and no account needed to see the whole thing.

01Pension relief reclaimAm I owed higher-rate pension tax relief?Over 800,000 higher-rate taxpayers never claim the extra relief on their pension contributions. Six questions work out whether you are one of them, and what four backdated years are worth.800,000 people · £1.42bn unclaimed a yearTypically £1,000–£4,0005 steps · Higher earners · Employed · Self-employed 02Side hustle & seller checkDo I owe tax on what I sell online?HMRC now receives data on nearly four million UK sellers. Six questions tell you whether you are trading, whether you need to register, and what to do if a letter has already arrived.3,988,892 sellers reported to HMRCUsually nothing owed — and that is the answer5 steps · Everyone · Self-employed 03The £100,000 escape planHow do I get out of the 60% tax trap?Between £100,000 and £125,140 your personal allowance is withdrawn and the effective rate is 60%. Above £100,000 childcare support stops entirely. Six questions show what escaping is worth.723,000 people in the band · 2.06m over £100kTypically £2,000–£15,0005 steps · Higher earners · Employed 04Couples & household auditAre we paying more tax than we need to as a couple?2.4 million couples never claim Marriage Allowance, worth £1,260 backdated. Beyond that, savings and property held in the wrong name cost couples more again. Seven questions.2.4m couples not claiming · £1,260 eachTypically £252–£2,000 a year7 steps · Everyone · Employed 05Self Assessment walkthroughWhat will my Self Assessment bill be?Nine steps through every kind of income a return asks about, ending in the bill, the payments on account most people do not see coming, and the reliefs the answers say you have missed.~600,000 paid late · £325m in penaltiesAvoids £100+ penalties, finds missed reliefs7 steps · Self-employed · Landlord · Higher earners 06Four-year expenses refundAm I owed a refund for work expenses?Uniform, tools, professional fees, mileage your employer underpaid and working from home — each is small, four years of several is not. And the claim is a form, not a service worth 40%.Refund agents take 30–48% of the claimTypically £250–£2,5006 steps · Employed · Everyone 07Director pay re-planHow should I pay myself now the dividend rates have risen?Dividend tax went up two points in April 2026, so the best salary, dividend and pension split changed this year. Seven steps work out yours on the new rates, and what last year's split now costs.Dividend rates +2 points, April 2026Typically £1,000–£8,0004 steps · Limited company · Contractor 08Landlord review & MTDWhat is Section 24 costing me, and when does MTD start?Mortgage interest stopped being deductible years ago and quarterly reporting is already live for 864,000 people. Seven steps show what the restriction costs you and which phase catches you.864,000 in scope now · 2.9m by 2028Typically £500–£6,000 of clarity4 steps · Landlord 09Crypto gains checkDo I owe tax on my crypto?81,000 nudge letters went out last year and HMRC now gets data from overseas exchanges too. Six steps work out whether you have a gain to report, which of it is income, and what to do.81,000 nudge letters · 7m UK holdersAvoids penalties; finds losses worth claiming5 steps · Everyone · Higher earners 10Savings, dividends & ISA plannerAm I paying tax on savings I could shelter?The savings allowance has been frozen since 2016, the dividend allowance cut 90%, and the capital gains exemption cut to £3,000. Six steps show what you are paying and what moving it would save.PSA frozen since 2016 · allowances cut 90%Typically £200–£2,0005 steps · Everyone · Higher earners

Why a check rather than a calculator

A calculator answers how much. You put one number in and get one number out, and it is genuinely useful when you already know which question you are asking.

These answer a different question: what am I losing? That cannot be done in one box, because it depends on your income, your household, what you own and which year it is. So each check asks one question a screen, builds the picture as it goes, and ends in a report — what you are owed, the rule behind each figure, what evidence HMRC would want, the deadline, and the exact route to claim.

It is what people pay between £50 and £2,500 for. Here it is free. An account only exists so your answers are kept — so the next check starts from them instead of asking again, and so we can tell you when a rate change makes an old answer wrong.

What we will not do

Put any of this behind a login. The full report renders without an account; the account is for keeping it.
Recommend a specific financial product to you. Every check shows the options and the workings, which is the difference between information and regulated advice.
Hide what a tool cannot see. Every report ends with its own limits, because a tool that says what it does not know is one you can trust with what it does.

Prefer to start from a number? The 205 calculators cover specific questions, and the decision tools compare options side by side.

Deadlines, rate changes and what to claim

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