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Cutting Tax: Discussions that will help you
To help you find the Cutting Tax threads quicker and easier we're collating our previous sticky/pinned threads into one single post. Cutting Tax board: Tax instructions - please read Useful Websites TaxCalc alternative? How does the Taxman Know? Inheritance Tax Planning Useful Tools to Help With Taxes Washing Uniform at…
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Old employer messed up, HMRC data wrong - help!
This is such a mess and none of it of my making so I need some help. I was off long term sick and hadn't been paid for months when suddenly I got a massive payment in March 2026. I called payroll as even SSP had long since run out. Payroll for some reason thought I'd gone back to work in January so paid me backdated pay…
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When does subsiding a family member become a gift for IHT purposes
Obviously it depends on circumstances, but what about a situation where a family member has no assets and needs care, but the social services are reluctant to fund the care adequately ( not an uncommon situation I guess) . So if a close but better off family member helps out by paying a care agency directly for example,…
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Is my tax correct
I usually use UK salary calculator and find it to be usually very accurate, but I think this time it might be wrong. I'm also not good with maths or numbers, so part of this is to aid my understanding too. Last month I was paid a £2203 annual bonus. My normal salary is £49843. Tax code 1257L and I'm in Alpha pension paying…
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Claiming overpaid PAYE after retiring part way through tax year - impossible?
I am trying to follow these steps to reclaim overpaid PAYE from the year I retired - was being taxed on assumed annual income but went down to a state pension part way through the tax year. Steps: (1) Visited this link:…
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Company didnt pay me
Hi, Between 19 May 2025 and 29 May 2025 i worked at a company in Oxfordshire. He only wanted me to do Mechanical engineering stuff but i am electronics, so i struggled…after 2 weeks the boss went into meltdown, and so i just had to leave. I wasnt getting the mech work done that he wanted and wouldnt be able to any time…
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Brother in law's income tax after redundancy and new job
My brother in law was made redundant in December 2025 and started a new job in January 2026. He's worried that he will owe lots of tax so with my sister's help, I've been checking his HMRC account. I have worked through his P60s below and I have three questions; His new job is not appearing on his HMRC's account, which I…
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Change from agent submission to doing it myself
I was getting very stressed having been asked to self assessment having only 3 months to get it submitted. A friend recommended his tax account so I got her to do mine. Still waiting for the bill but it was short term peace of mind. Having got advice from all you good folks here and seeing what she produced I may try to do…
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HMRC mistake
An ex employee who left our business in Oct 2023 and went to work elsewhere has now been given a tax demand of nearly £4000 as they believe she still works for us and were not notified that she has left. I have a copy of her p45 that I produced in my payroll and it was clearly stated on the RTI that she has left. After…
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Help MTD - Software - Bank or Spreadsheet ?
My accountant is retiring this year and its the first that I have to submit my files through MTD so getting really stressed . I only sell around 10 - 20 items a month ( a lot less recently ) so not too sure of the best software to use so currently using 1 - Starling bank app - I have itemised all my figures etc sales /…
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How Much Tax will i have to pay?
Hi, How much Tax will I have to pay when I do self-assessment for working as a Sole Trader? In Tax Year 2025-2026 I was payed £2538 at one company (As a Sole Trader) , and was payed £6160 at another company (Also as a Sole Trader). How much Tax will I have to pay? (roughly) In the same year, all my other employment was…
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MTD Deadlines - Do they need to be submitted ?
Found this online , does this mean that the MTD does not need to be submitted for the first year due to the soft landing ? Note: While these quarterly submissions are legally required, HMRC has implemented a "soft landing" period for the first year, meaning no penalty points will be issued for missed or late quarterly…
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HMR deducted 2025-2026 over £700 for interest savings I never earnt!
Hi Lovely people who know more than me! I'm working full-time and looking at my payslips. Trying to plan my retirement. I only work for one employer. Have no other income and 4 tiny savings accounts paying less than £28 per year. Discovered that as of last December (2025-2026 tax year), HMRC changed my tax code and have…
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CGT - how to calculate if property part gifted, part inherited?
Widowed mum added two children to her property deeds in 2016. She passed away a year ago. So we each 'owned' 1/3 from 2016→2025, then 1/2 each 2025→2026 (estate was split 50/50). On the Gov.uk CGT calculator you can select gift OR inheritance - how do we work this out? The property actually sold for £4k less than the…
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Carry forward pension contributions from previous years
Hello, I would like to know if I am able to reclaim some of the higher rate tax I've paid during the past few years. For the 2026/27 tax year, I have been unemployed thus far and therefore have made no tax payments. All my DC pensions are now in a single SIPP. For the 2025/26 tax year, I earnt a gross salary of £70k. I…
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Inheritance Tax: Save £100,000s with simple advanced planning Article Discussion
This thread is specifically to discuss the content of the Inheritance Tax: How to avoid IHT Article To discuss or ask a question about the article: click reply Please read the previous discussion thread too
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Is VAT able to be claimed back on Sat navs?
Situation is my mid 20s niece has a zero hours delivery job. As part of this she is being reimbursed mileage at 0.55. She's also bought an App called Delm8 which helps her deliver to remote places. Its about £100 for a year. She's not a sole trader, or a company or VAT registered. Is she able to claim any of that back…
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Confused about my new tax code
Please can someone tell me if HMRC is correct saying I own them money and why my tax code is so low? I called them today and they said it was correct but I still don't see it clear. It's related to medical insurance at work. I'm a normal tax payer . I joined the medical insurance in January 2024. Up until March 2025 my tax…
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Making Tax Digital (MTD) for Landlords
If you receive qualifying income from self-employment and/or property, you’ll be legally required to use Making Tax Digital (MTD) for Income Tax – based on the level of qualifying income – from the following dates: • April 2026, if your qualifying income is over £50,000 in the 2024 to 2025 tax year • April 2027, if your…
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Business mileage
So just a question re claiming business mileage, this is for my daughter The situation is she leaves home and goes in to work at location A (her place of work), then later in the day has left location A had to travel to location B to perform an inventory. This has happened around 6 times to date. Can she claim the mileage…
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Software advice for HMRC MTD for Landlord
We're a small landlord. We usually use our accountant to file our annual return. With the new Making Tax Digital system we need to do quarterly updates to HMRC. We also sell enough on eBay to need to include that as well. Can someone point me to a software that is reasonable cheap (or free) that is MTD compatible that we…
