Tools
33 free tools for handling HMRC paperwork, checking your position and generating the documents you need.
- 60% Tax Trap CalculatorIf you earn between £100,000 and £125,140 you lose your Personal Allowance, creating a 60% effective tax rate. See your real marginal rate and how a pension contribution claws the allowance back.
- Budget CalculatorUse our free Budget Calculator to get an instant estimate.
- CGT 60-Day Reporting CalculatorSold a UK residential property? Find your 60-day report-and-pay deadline with a live countdown, plus a quick estimate of the Capital Gains Tax you'll owe.
- CGT Share Matching CalculatorWork out the Capital Gains Tax on shares or crypto with HMRC's matching rules applied automatically, the same-day rule, the 30-day "bed and breakfast" rule and the Section 104 pool.
- Conveyancing Fees CalculatorUse our free Conveyancing Fees Calculator to get an instant estimate.
- Cost Per Mile CalculatorThis cost per mile calculator turns your fuel price and miles per gallon into a clear pence-per-mile figure, so you can see exactly what each journey costs before you set off. Pop in your mpg and the price you pay per litre, and you get the fuel cost of every mile you drive. It is built for commuters comparing routes, sole traders pricing a delivery, and anyone deciding whether a drive is worth it. You can stop at fuel-only, or go further and fold in tax, insurance and servicing to find your true running cost per mile.
- Cost of Living CalculatorUse our free Cost of Living Calculator to get an instant estimate.
- Currency ConverterThis currency converter turns pounds into euros, dollars and other major currencies using live mid-market rates, so you can see what your money is actually worth before you spend, send or invoice it. Type an amount, pick the two currencies, and the result updates instantly. It is built for UK readers planning a trip abroad, paying an overseas supplier, getting paid in a foreign currency, or simply checking a price you saw online. The rate it shows is the market reference rate, not the marked-up rate your bank or app will quote.
- Do I Need to File a Self Assessment?Answer a few quick questions to find out whether HMRC expects a Self Assessment tax return from you this year, and exactly what to do if it does.
- EV Charging Cost CalculatorUse our free EV Charging Cost Calculator to get an instant estimate.
- Energy Bill CalculatorUse our free Energy Bill Calculator to get an instant estimate.
- Fuel Cost CalculatorThis fuel cost calculator works out what a journey actually costs to drive, using three numbers you already know or can find in a minute: the distance in miles, your car's MPG, and the pump price in pence per litre. Whether you are pricing a daily commute, a long motorway run, or a road trip you want to split with friends, you get a clear figure in pounds and pence. It is built for UK drivers, uses the imperial gallon your MPG is measured in, and handles petrol, diesel and hybrids the same way.
- HMRC Complaint & Refund Letter GeneratorUse the generator above to build a formal letter to HMRC in seconds - to complain, request a refund, query a tax code or challenge a Council Tax band. This guide explains how the HMRC complaints process works.
- HMRC Letter DecoderGot a confusing letter from HMRC? Upload a photo or PDF and we'll explain in plain English what it means, a refund, a bill, or just information, and exactly what to do next.
- Net Worth CalculatorThis net worth calculator gives you one honest number: everything you own minus everything you owe. It is the single best measure of where you actually stand financially, far more telling than your salary or what is sitting in your current account this week. Enter your assets and your debts above and you will see your net worth in seconds. It works for anyone in the UK - whether you are clearing a student loan, saving a house deposit, building a pension, or checking you are on track for retirement. Run it every few months and you will see real progress, not guesswork.
- P60 / End of Year Tax CalculatorUse our free P60 / End of Year Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Rent a Room Scheme CalculatorLetting a room in your home? Compare the £7,500 tax-free Rent a Room scheme against claiming actual expenses, and see which leaves you with the smaller tax bill.
- Savings Interest Tax CalculatorWork out whether you owe tax on your savings interest, and how much, after your Personal Savings Allowance and the starting rate for savings.
- Self Assessment Tax CalculatorUse our free Self Assessment Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Self Assessment Tax Return WizardAnswer a few guided questions and we'll prepare your full UK Self Assessment - Income Tax, National Insurance, student loan, Child Benefit charge and Capital Gains Tax all worked out, with a plain-English breakdown of what you owe and when. Free, region-aware for England, Scotland and Wales, and never submitted to HMRC on your behalf.
- State Pension Age CalculatorUse our free State Pension Age Calculator to get an instant estimate.
- State Pension Top-Up CalculatorSee whether paying voluntary National Insurance to fill gaps in your record is worth it, including the cost, the extra pension and how long it takes to pay for itself.
- Tax Code CalculatorUse our free Tax Code Calculator to get an instant estimate for the 2026/27 tax year.
- Tax Refund CalculatorUse our free Tax Refund Calculator to get an instant estimate for the 2026/27 tax year.
- Use of Home as Office CalculatorSelf-employed and working from home? Compare HMRC's simplified flat rate with claiming a share of your actual household costs, and see which gives the bigger deduction.
- VAT Return CalculatorUse our free VAT Return Calculator to get an instant estimate.
- Work Uniform & Expense Tax Rebate CalculatorEstimate the tax rebate you can claim for your work uniform, professional fees and unreimbursed mileage, and claim it free on form P87 instead of paying an agent 30%.
- Council Tax Band Challenge CheckerYour council tax band was set by a rushed valuation in 1991 and thousands of homes were put in the wrong one. Run both checks above: if your neighbours and the valuation agree your band is too high, the refund is backdated to when you moved in.
- Tax Refund CheckerAnswer a few quick questions and find out whether you could be owed a tax refund - from Marriage Allowance and work expenses to CIS deductions and a wrong tax code. Free, private, and with a link to claim every one directly with HMRC.
- Sole Trader vs Limited Company CalculatorCompare your take-home as a sole trader versus a limited company on your actual profit - Income Tax and Class 4 NI on one side, Corporation Tax plus salary and dividend tax on the other - and see the exact profit where incorporating starts to pay off.
- Student Loan Refund CheckerPayroll deducts student loan repayments month by month, but the rules work year by year. That mismatch means the Student Loans Company takes millions of pounds every year that was never actually due, and it will give yours back if you ask.
- Benefits & Entitlements CheckerAround £23 billion of benefits and support goes unclaimed in the UK every year, mostly because people assume they will not qualify. Answer eight quick questions above and see what your household appears entitled to, with the official free claim link for each.
- Self-Employed Expenses CheckerHMRC does not send a list of what you could have claimed. Pick your trade above, mark what you already claim, and see what the gaps cost you in real tax, then start keeping the evidence that turns them into savings.
Software that files it for you
Partner linksIf you keep your own books, these are the packages that handle Self Assessment and Making Tax Digital.
FreeAgent
Free optionMTD ready
The freelancer and contractor favourite, free with some bank accounts.
- Free forever with a NatWest, Royal Bank of Scotland, Ulster or Mettle business account
- Built-in Self Assessment and MTD for Income Tax filing
From £0 with a NatWest, RBS or Mettle account, otherwise about £19/mo
See FreeAgentQuickBooks
MTD ready
The big all-rounder with the deepest MTD track record.
- Sole Trader plan built specifically for Self Assessment and MTD
- Snap and store receipts, automatic bank feeds
From about £10/mo, frequent 90% off intro offers
See QuickBooksXero
MTD ready
The scale-up choice once you have staff, stock or VAT.
- Huge app marketplace and the accountant industry standard
- Strong for VAT, payroll and multi-user limited companies
From about £15/mo
See XeroWe may earn a commission if you sign up through one of these links. It never changes what we calculate, what we recommend, or the order they appear in.
Deadlines, rate changes and what to claim
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