Tax Return Calculator UK 2026
Estimate your UK tax return refund or amount owing for 2026. Enter your income and PAYE tax withheld. Works as a Self Assessment tax estimator and HMRC tax return calculator.
From your P60 or payslips
From your P60 or employer
Estimated Refund
+£14
HMRC withheld more tax than needed — you should receive a refund.
Frequently Asked Questions
How do I estimate my UK tax return?
Your tax refund or bill equals the PAYE tax withheld by your employer minus your actual income tax liability. Actual tax = income tax on (income − personal allowance) using HMRC 2026 bands. If withheld > actual, you get a refund; if less, you owe the difference.
When is the Self Assessment deadline?
For the 2024/25 tax year (ending 5 April 2025): online Self Assessment returns are due 31 January 2026. Paper returns are due 31 October 2025. For 2026 (ending 5 April 2026), the online deadline is 31 January 2027.
Who needs to file a Self Assessment tax return?
You must file if: you are self-employed or a partner in a business; you earned over £100,000; you have untaxed income (rental income, savings interest over £1,000, dividends over £500); you are a company director; or HMRC has sent you a notice to file.
What expenses can I deduct on my Self Assessment?
Allowable deductions for self-employed individuals include office costs, travel, clothing (uniforms/protective), staff costs, stock and materials, financial charges, advertising, phone/internet costs, and training. Employees can claim work expenses not reimbursed by their employer.
How accurate is this tax return estimator?
This estimator uses HMRC 2026 income tax bands and the personal allowance to give a close estimate of PAYE overpayment or underpayment. It does not account for capital gains, rental income, dividends, or other income streams. For complex situations, consult a qualified accountant.