Free tool · 2025/26 returns

Late tax return penalty calculator

Missed the 31 January deadline? Estimate the HMRC late filing penalties, late payment penalties and interest on your Self Assessment. Then let our Chartered Certified Accountants file it and help appeal where you have a reasonable excuse.

  • Late filing penalties
  • Late payment penalties
  • Interest estimate
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Free calculator
Free no sign-up needed
  • Updated for 2026/27
  • Instant, private estimate
  • Accountant review available
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Estimate your late penalties

For 2025/26 and earlier returns. Nothing is stored or sent.

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Fully registered and supervised to act on your behalf.

Chartered Certified Accountants
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Who it’s for

Who this calculator is for

Anyone with a late Self Assessment return or payment.

⏰

Missed the deadline

Just past 31 January.

📬

Penalty letters

Check the amount HMRC charged.

📚

Several years late

Returns outstanding for years.

💷

Unpaid tax

Filed on time but paid late.

Packages & prices

Want us to file it for you?

Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.

Starter
Straightforward returns and simple sole traders.
£150
per year · incl. VAT
  • Self Assessment tax return
  • Tax calculation explained
  • Online filing with HMRC
  • Deadline reminders
Start my return
Most popular
Growth
Self-employed, landlords, directors or several income sources.
£250
per year · incl. VAT
  • Everything in Starter
  • Self-employment or rental schedules
  • Expense and allowance review
  • Payments on account planning
Start my return
Complete
Bookkeeping, MTD, several properties, crypto or foreign income.
Quote
fixed fee
  • Everything in Growth
  • Capital gains and crypto
  • Foreign income and relief
  • Making Tax Digital support
Request a quote

All prices include VAT.

What’s included

What the calculator works out

Based on the current penalty rules for paper and online returns.

  • £100 initial late filing penalty
  • £10 daily penalties after 3 months
  • 5% or £300 at 6 and 12 months
  • Late payment penalties at 30 days, 6 and 12 months
  • Estimated late payment interest
  • Total estimated cost
How it works

A seamless, fully online process

Enter the tax due

Tax owed for the year.

Enter the dates

When you filed and paid.

See the penalties

Each penalty and interest.

Act quickly

Penalties grow over time.

Rules used

Late filing penalties

For returns due before the points-based system starts in April 2027.

How latePenalty
1 day£100
3 months£10 a day for up to 90 days (max £900)
6 months5% of tax due or £300, whichever is higher
12 monthsAnother 5% or £300 (more if deliberate)

How much is the penalty for a late tax return?

In short: £100 the day after the deadline, even if no tax is due. After three months daily penalties of £10 start, then 5% of the tax or £300 at six and twelve months. Late payment adds separate penalties and interest.

A worked example

A 2024/25 return with £2,000 of tax due is filed and paid seven months late. Filing penalties are £100 + £900 + £300 = £1,300. Late payment penalties are 5% at 30 days and 5% at six months, £200. With interest, the total is roughly £1,600.

Can penalties be cancelled?

Yes, if you had a reasonable excuse such as serious illness or a bereavement. Our late tax returns service files your returns and prepares appeals. If you are worried about undeclared income, see Self Assessment tax returns. More on our tax calculators page.

Official guidance: Self Assessment penalties

Person worried about a late tax return penalty
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FAQs

Frequently asked questions

What is the penalty for a late tax return?
£100 immediately, then daily penalties after three months and 5% or £300 at six and twelve months.
Do I get a penalty if I owe no tax?
Yes, the £100 penalty still applies, although it can often be appealed.
Can I appeal a late filing penalty?
Yes, within 30 days if you had a reasonable excuse.
When does the points-based system start?
For Self Assessment, from April 2027.
Is this calculator exact?
It is an estimate. HMRC interest rates change.
Can you file my late return?
Yes. Contact us by phone, email or WhatsApp.

Let us file your late return

Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.

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Wingate Accountants Ltd is an independent firm of Chartered Certified Accountants, providing tax and compliance services to individuals and businesses across the UK.

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