Tax Refund Calculator

Have you overpaid tax? Enter your gross income and actual tax deductions to check instantly. Covers wrong tax codes, emergency tax, mid-year leavers, and unclaimed work expenses. Updated for 2025/26.

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£0£5k

Common flat-rate allowances: £60/yr uniforms/tools, £312/yr working from home (6 Apr 2020 onwards).

Tax looks correct

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✓Tax looks correct

Your tax deductions look correct within rounding tolerance. Your employer is using the right tax code.

Tax comparison

Income Tax

You paid£4,486
Correct amount£4,486

National Insurance

You paid£1,794
Correct amount£1,794
Underpaid£0
Total paid£6,280
Correct total£6,280

Visual comparison

You paid£6,280
Correct amount£6,280

Your effective rate

17.94%

Correct effective rate

17.94%

Emergency tax code (0T)?

If your employer used an emergency tax code (0T or BR), you could have overpaid up to £2,514 in income tax this year. Emergency codes apply no personal allowance — check your payslip for "0T", "BR", or "W1/M1".

Common reasons for overpaid tax

  • •Wrong tax code — emergency codes (0T, BR) apply no personal allowance. Check your payslip or P45.
  • •Left a job mid-year — PAYE spreads your allowance over 12 months. If you left after 6 months, you may have used only half your allowance.
  • •Multiple jobs — your second job often uses a BR code (20% on everything) when your allowance is already used on job 1.
  • •Unclaimed expenses — flat-rate allowances for uniforms (£60/yr), tools, WFH (£6/week ≈ £312/yr) reduce your taxable income.

How to claim a refund

  1. Check your tax code via your HMRC Personal Tax Account (gov.uk/personal-tax-account)
  2. If your code is wrong, HMRC will update it and issue a P800 calculation
  3. Claim online for refunds under £1,000 — BACS payment in ~5 working days
  4. For work expenses, claim via Self Assessment or the P87 form
  5. You can claim for the current year and up to 4 previous tax years