Tools
21 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.
- 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.
- 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.
- 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.
- 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 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 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.
- 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.
Deadlines, rate changes and what to claim
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