UK Tax Refund Estimator
Enter your annual income and total income tax withheld via PAYE to see whether you are due a refund or owe a balance. Uses 2025/26 or 2024/25 income tax rates for England/Wales/NI or Scotland.
Total income tax deducted by your employer via PAYE
Estimated Refund
£514.00
You may have overpaid income tax and could be entitled to a refund from HMRC.
| Item | Amount |
|---|---|
| Annual Income | £35,000.00 |
| Income Tax Owed | £4,486.00 |
| Tax Already Withheld (PAYE) | £5,000.00 |
| Estimated Refund | £514.00 |
| Effective Tax Rate | 12.82% |
Frequently asked questions
How do I know if I'm owed a tax refund?
You may be owed a refund if your employer withheld more income tax via PAYE than you actually owe for the year. This can happen if you changed jobs, had periods of unemployment, or were placed on an incorrect tax code. Compare your total PAYE deductions (from your P60 or payslips) against the actual tax due on your income.
How do I claim a tax refund from HMRC?
For PAYE employees, HMRC usually issues a P800 tax calculation after the end of the tax year. If it shows you have overpaid, you can claim online. Alternatively, you can file a Self Assessment tax return if you believe you are owed a refund that HMRC has not automatically calculated.
What is included in the tax refund calculation?
This estimator compares your income tax liability (calculated using standard Personal Allowance and tax bands) against the total income tax withheld by your employer. It does not include National Insurance, student loan repayments, or pension contributions — only income tax.
Sources
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