Tax & HMRC
UK Tax Refunds & HMRC Overpayments
Free tools and plain-English guides to check whether HMRC owes you money — tax codes, emergency tax, allowances and reliefs.
Free tools
Free · No sign-up
Free UK Tax Code Checker
Enter your tax code and we tell you what it means, whether it looks wrong, and if you may be owed a refund — instantly, free, no email required.
Free · No sign-up
Take-Home Pay Calculator (2026/27)
Enter your salary and see your real take-home pay after income tax and National Insurance — yearly, monthly and weekly. Free, instant, no sign-up.
Free · No sign-up
Emergency Tax Refund Calculator
On an emergency tax code? Estimate how much you have overpaid and could claim back — enter your salary, code and how long you have been on it.
Guides
How to Check if HMRC Owes You a Tax Refund (2026)
A step-by-step, jargon-free guide to finding out whether you have overpaid PAYE tax — and exactly how to claim it back yourself, for free.
8 min read
Emergency Tax Codes Explained: BR, 0T, W1/M1 and How to Get a Refund (2026)
What each emergency tax code actually means, why you were put on one, and the fastest way to get your overpaid tax back.
6 min read
How to Check if the Government Owes You Money (UK, 2026)
Six legitimate places where UK money sits unclaimed — tax, council tax, pensions, savings and more — and how to check each one for free.
7 min read
Questions
How do I check if HMRC owes me a tax refund?+
Start with two free checks: look at your tax code (1257L is standard; BR, 0T or a W1/M1 suffix suggest emergency tax) and log into your Personal Tax Account on GOV.UK. Common refund causes are wrong tax codes, changing jobs, working from home, Marriage Allowance and unclaimed professional fees.
How far back can I claim a tax refund?+
You can reclaim overpaid PAYE tax for the last four tax years. Because the oldest year expires each April, unclaimed refunds can be lost if you never check.
How long does an HMRC refund take?+
An online claim is usually paid within about five working days; postal claims such as a P87 can take several weeks.
£9.99 · One-off
PAYE Tax Refund Check
Over 5 million UK employees overpay tax every year through incorrect tax codes, emergency tax, or missed allowances. Our audit tool — built by UK professionals — checks your last two tax years against HMRC rules and tells you exactly what you may be owed, plus the steps to claim it.
Find out if HMRC owes you money — in under 60 seconds.