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Marriage Allowance
Hi! This is the discussion thread for the Marriage Allowance guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks :) ,
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HMRC MTD
A couple of questions regarding MTD Is HMRC informing tax payers if they have to submit quarterly returns or not? 2) My combined income from state and work pensions PLUS Gross rental income takes me into the 40% tax band. Expected gross rental income 26/27 is ca. £45,000 My understanding is that I do not have to do MTD…
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Health & Dental Cover from Work, and my Tax Code
Hello, Through my employer I can get Bupa Dental and Health cover (ie. where I pay - not my employer - around £90 per month for myself and my partner and we can claim back for dental treatment and optical and other things like chiropractors, etc. when we get an invoice from whatever we pay for, eg. up to £150 year for…
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Do I need a newer "GOV.UK One Login" login if I want to update my income estimate?
Good morning all. I've had a government gateway login for a few years now. This current tax year is the first new tax year since I retired in September last year where I won't be working (obviously!). HMRC are still estimating that I'll be earning £31,922 this tax year, presumably based on what I earned last year, despite…
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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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HMRC Complaint: What Can I Do?
Hello, first post and couldn’t find a more appropriate category but please move this if necessary. I have a deduction in my personal allowance this tax year (26-27) and I have no idea why. It’s a significant amount of money to me. My account also doesn’t seem to have any additional information on the deduction. I tried to…
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HMRC over estimate of untaxed interest
I’ve just received notification of a change in tax code for the current year, due to their estimate of untaxed interest. There is also a small amount of tax to pay from the previous tax year. My issue is that their estimate is way over the interest earned this year (mainly due to me using my ISA allowance and a reduction…
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Where do previous payments on account appear on current year tax return?
I'm keying in figures into my 25/26 personal tax return having made 1 payment on account for that tax year already and another due in July. In the main self assessment (right up to the calculation and "submit" button), I don't see either of those 2 payments on account featuring anywhere, and instead the balancing payment…
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Reclaiming US tax from the sale of a Disney timeshare
Hi Does anyone know whether you can reclaim tax from the sale of a DVC holding? I've checked the original paperwork and the amount we paid in dollars is more than what it sold for in dollars. The question was asked when in the process of selling, without an answer. UK based, never been employed in the US or have a US tax…
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How to enter lump sum payments into personal pension on self assessment return
I am unsure as to how to handle payments into my personal pension on my self-assessment return. I made regular monthly contributions plus a couple of slightly larger one-off contributions. Is this what this box is talking about? "Total of any 'one-off' payments to registered pension schemes included in the 'Payments to…
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2024 to 2025 tax on interest...2025-2026 over taxed
I dropped into the 40% band in 2024 to 2025 (final late March bonus which was more than expected) and ended up with a bill of around £330 for tax on interest. I had notification that my tax code would be adjusted late in the year (2025-2026) and for 2026 - 2027 to recover this. In the meantime, for 2025 - 2026 I am…
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How to prepare for MTD ITSA from April 2026?
Hi everyone, I’ve been reading about Making Tax Digital for Income Tax (MTD ITSA) starting from April 2026, and I’m a bit confused about how to prepare for it. Do we need to submit quarterly updates manually, or is there software that makes the process easier? Also, what’s the best way to track income and expenses to stay…
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Appeal against inclusion in MTD?
I have a feeling this might be wishful thinking but….HMRC have roped me into MTD because a one off payment last year kicked me over the MTD threshold for property income. My property income has been way below the threshold for the last 10 years and will be again this tax year. I'm not self employed. It looks like I'll have…
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Health insurance and HMRC
Hi, I have medical insurance at work. this new tax year HMRC said I owe them £174 because of last year wasn't deducted from my salary, tax code didn't change;'. Who is to blame here? I don't know if my employer didn't inform HMRC about my health insurance or maybe HMRC overlooked it ?
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Tax bands when adjusted net income above £125,140
Hi, a relative has for the first time (simultaneously) exceeded adjusted net income levels of both £100,000 and £125,140 and we just keyed in the relevant figures into a self assessment to get a calculation of tax liability (to start early with saving up for the liability due next January), and to my surprise, the HMRC tax…
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How do changes to personal allowance affect my higher rate threshold?
I just read (on a reddit thread) that changes to an individual's personal allowance will change their higher rate threshold by the same amount. I can't see this on gov.uk or money helper - they only say that the personal allowance is "up to £12570" and the higher rate threshold is £50270 (rather than saying personal…
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Choosing to pay over the annual allowance
Curious how common this is. Example scenario: 200k earner pays 150k into SIPP. Tax relief is payed back through SA. Without tax relief there is a 40% plus entry penalty as well as the eventual 40% plus on withdrawal. However while inside the SIPP there is no CGT (24%) or DT (36%). 2 CGT events offset the tax entry penalty.…
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Product in exchange for charity donation
Hi I entered a mini competition whereby I received an object in return for a set donation and that money was paid directly to the person's chosen charity (a well known one). For self assessment purposes as a sole trader, does that still count as a charity donation? Thanks
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Self assessment query
Hello, in September 2025 i submitted my first HMRC Self assessment return for my savings interest. Two weeks later i got £737 back in my Royal Mail pay in PAYE. I'm wondering do have to put this down in this years online self assessment return 2025/26 in the ( "Have you had any 2025-26 Income Tax refunded or off-set by us…
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Please: Is this correct? Self Assessment
Please does one answer the other correctly, the wording is slightly different? Self Assessment Question And: The 513 figure originated from the second P2 I received in January 25
