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.
For 2025/26 and earlier returns. Nothing is stored or sent.
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Fully registered and supervised to act on your behalf.
Anyone with a late Self Assessment return or payment.
Just past 31 January.
Check the amount HMRC charged.
Returns outstanding for years.
Filed on time but paid late.
Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.
All prices include VAT.
Based on the current penalty rules for paper and online returns.
Tax owed for the year.
When you filed and paid.
Each penalty and interest.
Penalties grow over time.
For returns due before the points-based system starts in April 2027.
| How late | Penalty |
|---|---|
| 1 day | £100 |
| 3 months | £10 a day for up to 90 days (max £900) |
| 6 months | 5% of tax due or £300, whichever is higher |
| 12 months | Another 5% or £300 (more if deliberate) |
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 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.
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

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