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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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Self assessment idiots guide wanted
Out of the blue, I have received an HMRC letter stating I need to complete a tax return and they gave set up a self assessment record and created my Unique Tax payers reference shown in the letter. I assume due to savings. No details were included apart from mentioning downloading an app, or scan the QR code. I'm now very…
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Joint landlords: agent report to HMRC of rent received
Hello, together with two relatives I rent out a small holiday let. The letting agent has sent to HMRC a report of rent and commissions etc - but it has sent separate notices for each owner with each owner showing the full amount of rent received. Is this the correct way of reporting as there is no indication on the agent's…
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Tax Return / Gov UK registration without photo ID
An elderly relative has been asked by HMRC to complete a tax return for 24/25. She has significant savings with associated interest income. She hasn't had to do a tax return before, but they've sent her a UTR number that she'll need. But first, she'll need to create a Gov UK One login, which requires photo ID, but she…
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Self assessment 2024 to 25 late
I recently received a letter stating I need to complete a self assessment tax return. Never done one before and always been PAYE I have registered and .logged in to see the return is flagged as late and a warning of penalties and file now message. Also file within 3 months of date of the letter. How can it be late if the…
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Self Assessment - total income
Just submitted my 2025/6 self-assessment. I noted that my personal pension gross amount is shown in the HMRC calculation which takes me over the £35k threshold for total income (and hence questions about heating allowance claw back). I expected my total income to include what I actually received from my person pension i.e.…
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How do I get the section on Trusts to show up on my online tax return?
Just filling in my tax return for 2025/26 but I received income from my father's estate after his death. I can't seem to find the relevant section on the tax return.
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2025/26 Self Assessment Tax Return
Hopefully the HMRC system will work soon to be able to make some progress. Well done to anyone already logged in I keep getting busy message so far.
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Winter Fuel Payment charge?
Hi, I have an entry under Deductions for current tax year ends 5th April 2026 which I don't understand. "Winter fuel payment charge - based on a charge of £(0)" £968 I expected to repay my WFA as income over the threshold, but it wasn't £968…..
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Undeclared property Tax - Query
Hi Long story cut short but through naivety and family information I did not declare income tax on a property that is owned by me legally. Although my parents manage and receive the income for the let. I received a letter last year from HMRC about this and co operated fully. Supplying all the info along with information…
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Taxable benefit - expense claimed in next tax year
Just wondering how (if at all) a taxable benefit (monthly phone bill) works when it is claimed in the subsequent tax year. For example say I pay my phone bill personally to my provider on 1st April 2025 but I don't expense it at work until 7th April 2025 and don't get paid by work until 12th April 2025. Which tax year…
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Salary sacrifice vs deduction at source - query
Hello all, new here so hello to you all I have a question that I have been struggling with for some time, having moved company 18 months ago and gone from salary sacrifice to paying into my pension after PAYE has been deducted. I have always read that making payments into a pension after tax is broadly the same for tax…
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Self Assessment with high Property Repairs problem
I have done self assessment for several years as I have a rental property. This year, I needed to replace the kitchen. It was old and it is a like for like replacement so classed as a property repair. When I enter the costs on the self-assessment form, I get a big red warning banner to say that the costs are higher than…
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Interest reported twice
I helped my Dad with his simple assessment for the 24/25 tax year (due to savings interest as well as state pension). He paid the bill in October 2025. Today a letter turned up saying he needed to fill in a self assessment for the tax year 24/25. The interest was under £10,000 so I was led to believe it was a simple…
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POA for My First SA
Hi, I’ve had to complete SA for FY 24/25. I’ve entered the figures and proceeded through the wizard. Having got to View Your Calculation and notice that HMRC says I owe £1937.oo but I know I have paid them £2045 for the same tax year. In my reckoning they owe me £108.oo. Understood. But later on they ask me to make POA of…
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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…
