Cutting tax

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…

This might be on the wrong board as it is about paying tax rather than reducing it so please move it if it would be better elsewhere My mother, now elderly, has got in a bit of a mess and confused with her income tax the last couple of years so has asked me for help. She receives a state pension which is in excess of her…

I recently did my first self-assessment, which I only need to do to pay the child benefit high income charge (as I can't do this via PAYE for reasons I won't go into). At the end it told me the amount due, which was about what I expected. I've logged back into my HMRC account to sort out payment, and it says the current…

hello I do the book keeping for a relative sole trader business. For 25/26 year, we had an accounant submit the SA return but this year I will be doing it as due to an injury, the workload (and income) has dramatically reduced and we are trying to reduce financial commitments - its a quite a simple SA using an online…

I have financial PoA for my mum and filed a 2024/25 tax return for her. I received a letter from HMRC dated 17 September this year saying there was £2970 owing for that year, with the first instalment of £1480 due on 31 January 2026 and the second instalment of the same amount due on 31 July 2026. It then goes on to say…

OK, so this is a bit complicated (and sorry it sounds like a first world problem) but I will try to keep it simple. FiL called a few weeks ago concerned that there will be a change to IHT rules in the Budget at the end of this month. (Please do not discuss what may or may not happen in the Budget as that would be…

My mother in law died at the beginning of the year and the probate application form was completed and submitted within a month. A figure of £275,000 was put for the property valuation. This was a guesstimate based on the prices of similar properties sold in the neighbourhood. The next month the property was put on the…

My SA was submitted and received on 24 September a week ago. When will I see the amounts I owe after thay have taken my payments on account into consideration. Currently I can only view a tax calulation where it specifially states This amount does not take into account any 2025-26 payments on account you may have already…

Hi there, Has anyone had any luck with getting HMRC to change the year a lump sum was paid into. My father passed away and so I received a lump sum payment from his pension provider. They paid this into my bank account on the 1st April 2026, so last tax year. He was over 75 so income tax is relevant. Anyway the pension…

Hi, looking for some clarification. in January I sent a letter to HMRC providing an estimate of the BBSI my mother would receive in the 25/26 tax year. It was approx £11000. They send us a form to complete giving details of each account which we returned. They replied stating that they would receive the information…

If I leave my grandchild10 thousand pounds and nothing else in my will will they be liable to pay tax on it…..advice appreciated

The Telegraph had a feature that suggested "whole of life insurance" as a strategy for inheritance tax planning. My IHT planner has applied to Royal London. Wonder what has been the experience with Royal London? The time scale when underwriting is suggested? Is a particular insurance company better or worse? Thanks.

Hi I’m a care worker in the community and have to travel between houses day in day out in my own car. I can do upto 15 calls a day and around 100-150miles a week. I do not get paid any mileage for this work. I have tried to claim back tax relief from HMRC as have been paying tax for the last 3 years but have been refused…

Anyone managed to use a bridging software for Making Tax Digital submission yet??? My friend has to do it for the next tax year and so I am helping him look into suitable bridging sofware.

Today I submitted my self assessment return for 20025/26 but received the message "A problem occurred when you sent your return" Logged back in later this morning saw "There was a problem and your return was not submitted. We have saved it automatically and you can submit it again by clicking Next" I clicked on next but…

Hello, I wonder if you can provide any advice - i plan on contacting HMRC in next few days. I worked until 31/03 at company no 1 - this last payment was paid 15 April. I started new role start of June and left last month. I planned on applying for tax tebate - however: On my PAYE account on HMRC it only shows employer 2.…

Can someone please explain gift aid in regards to how may/may not effect me. I've even read the gift aid section on this site but I'm still not fully 'getting it' I've had a email from a charity I gave some donations to, never had one before, I thought it was just going to say, your donations have raised X amount thanks…

Hi there, I need to complete an SA109 and on paper the questions seem straight forward but when I read the guidance notes it provides twists and turns with an exception for an exception and I am now genuinly confused. It is about a split year case 1 claim. Especially box 9 - 14 throw me off. I know that to answer those…

I'm trying understand if I can reduce my net adjusted income (the figure that needs to be below £100,000), by leasing a car through a workplace salary sacrifice scheme with Octopus EV. Currently I've worked my net adjusted income for the current tax year will look like: + £80,500 Salary + £17500 Annual Bonus + £9000 worth…

I am a PAYE employee (not self employed) and have a UTR number from doing a self assessment a few years back (2023-24) but did not need to do one for the tax year 2024-25. I now need to do one for 2025-26 so I have followed the steps here https://www.gov.uk/register-for-self-assessment and after completing the form I…

Hi I have retired and currently have no pension income therefore I have transferred 10% of my personal allowance to my wife. I therefor eassumed my personal allowance was £11,313 however no code was communicated to me since I stopped working and none was listed on the HMRC website. I decided to start drawing down some of…