Wondering if you can claim a tax refund or need to submit a tax return? Use our online tools to find out if you're owed money by HMRC.
Tax Rebate Calculator - Claim your 2020 tax rebate
Are you owed a tax rebate? Our tax rebate calculator is a quick and easy way to work out of you can claim tax back from HMRC. With just a few simple questions, you'll get an instant estimate of what you're owed. It only takes a minute to do and it's free with no obligation. Why not get your RIFT tax refund rolling today?
* Please note this calculation is based on an estimate and using the information you provided. Contact us for an exact calculation of your HMRC tax refund.
Tax Rebate Calculator
What is my tax rebate estimate used for?
As soon as you’ve got your estimate, RIFT can get to work. We’ll set you up with a free MyRIFT account to track your important details and your claim’s progress. With MyRIFT, you’ve got instant access to all the crucial details about your tax refund at your fingertips. Better yet, you can check and update it all simply and quickly from anywhere in the world. Good records are the secret to getting the very best from your HMRC tax refund, and with MyRIFT it’s never been easier.
Our guarantee means you'll never lose a penny
The RIFT Guarantee means you've got nothing to worry about from the taxman. As long as the information you've given us is correct, you're completely protected against HMRC inquiries about your refund claim. If HMRC ever dug its heels in and demanded some of your refund payout back, we'd pay them ourselves at no cost to you! That's the RIFT Guarantee magic, keeping both you and your refund safe.RIFT Guarantee
How long does a HMRC tax rebate take?
With 7 specialists workings hard, RIFT will make sure you get back everything you're owed fast. HMRC usually takes about 8-10 weeks to sort out your tax refund claim, so the sooner we have all the details we need from you, the sooner you get your tax rebate cash.
The key thing to remember is that you've got a hard-and-fast-4-year-deadline to claim back your tax from HMRC. Anything you don't claim after that is gone for good. The tax year ticks over on 6th April, so make sure you get in touch with RIFT with time to spare.
Tax Refund Calculator
How to use the RIFT HMRC tax rebate calculator
With just a few quick, simple questions, the calculator will tell you whether or not you can make a tax rebate claim. It works whether you’re self-employed or working PAYE. Just tell us what your job is, how much work mileage you’re doing and any public transport you’re paying for. With that information, the calculator has everything it needs to give you an estimate of your tax refund.
If you need to file a Self Assessment tax return, the RIFT tax calculator will let you know. If you do, RIFT can help out there as well. The calculator will also let you know if you might owe some extra tax to HMRC. That’s rare, but paying too little tax can be even worse than paying too much so it’s important to know where you stand.
Don’t be too disappointed if the tax rebate calculator says you don’t have a claim to make. Tax refunds aren’t some kind of windfall or prize. They’re about squaring the books when you’ve paid too much tax to HMRC. If you can’t make a claim, it’s actually good news because it means you haven’t been paying too much.
On average, a 4-year tax refund claim from RIFT comes to £3,023. You need to look at the last 4 tax years to get the full picture, because things like your tax-free Personal Allowance and tax code can change over time. The calculator handles each year you’re claiming for separately to keep everything clear and accurate.
Tax Rebate Calculator
How do I work out my PAYE take-home pay?
Under the Pay As You Earn (PAYE) system, tax gets taken out of your pay automatically, along with any Student Loan or pension payments. Your actual take-home pay depends on your tax-free Personal Allowance and the amount of Income tax and National Insurance you’re paying out.
Your Personal Allowance, which almost everyone in the UK gets automatically, is the amount you can earn before you start paying tax on it. Anything you earn up to that amount each year is tax-free. The Personal Allowance for 2019/20, for instance, is £12,500.
After your Personal Allowance is used up, you move onto basic rate Income Tax. If your income goes high enough, anything over a certain threshold gets taxed at a higher rate. The tax rates for 2019/20 look like this:
- Up to £12,500: 0%
- £12,501 to £50,000: 20% (basic rate)
- £50,001 to £150,000: 40% (higher rate)
- £150,001 or more: 45%
Next, you’ve got National Insurance, which is used to pay for things like your State Pension. On top of Income Tax, you've also got National Insurance to pay. This is important, as it's what your eventual State Pension is based on. For most people, the National Insurance Contributions (NICs) they pay in 2019/20 are:
- Earnings between £166-£962 per week: 12%
- Anything over £962 per week: 2%
Tax Refund Calculations
Is my tax calculation based only on my salary?
There are actually several things that can make a difference to your tax calculation. For example:
- Married couples where one of you was born before the 6th of April 1935 could be claiming Married Couples Allowance. Couples born after that might be able to use Marriage Allowance instead, where one of you transfers part of your Personal Allowance to the other. This can be useful if either of you isn’t getting the full benefit of your Personal Allowance.
- People who are registered blind can get a boost to the tax-free portion of their income, on top of their normal Personal Allowance.
Your tax bill can also be affected by the rate of NICs you pay, any Student Loan repayments you’re making and if you’re working abroad. If you work overseas for a non-UK employer, for instance, the amount of tax you owe might be different from someone who works full-time in the UK.
Your tax code and Personal Allowance can vary with your circumstances, and both can make a big difference to the overall tax you pay. Your tax code is the basis of HMRC’s whole tax calculation for you, from the Personal Allowance you qualify for to any special circumstances that apply to you. It’s incredibly important to check your code’s correct, so RIFT will always take special care over yours.
The other big thing is any tax allowances or deductions you qualify for. For example, when you travel for work or shell out for essential costs from your own pocket, the money you’re spending can form the basis of a tax refund claim. Again, RIFT will sort out all the tax relief you qualify for and our tax rebate calculator will set you on the right track.
For self-employed people working under the Construction Industry Scheme (CIS), there are some special rules to know about. For one thing, you’ll be losing 20% of your pay before you get it, and might end up not getting the full benefit of your Personal Allowance. You’ll also be paying different kinds of National Insurance Contributions. RIFT is the UK’s leading expert in CIS tax refunds, so definitely get in touch if this affects you.
Another thing that can affect your tax calculation is any “salary sacrifices” you’re making in exchange for benefits from your employer. You also need to be aware of any pension plan contributions you’ve made. Both of these can change the tax you owe.
Claiming tax back
How do I claim a tax rebate?
RIFT’s tax refund calculation is the perfect place to start your tax refund claim. Whether you’re self-employed, on CIS or employed through PAYE, the calculator will give you a fast, reliable estimate of what you’re owed. With your calculation sorted, RIFT can take care of the work for you, keeping the whole process smooth and simple. There’s really no good reason to leave HMRC sitting on a big pile of your refund cash, so fire up the calculator and let’s get back what you’re owed!
Tax Refund Calculations
Can I claim for a rebate on work mileage on top of a tax rebate?
Work mileage is one of the top reasons why people end up being owed tax back from HMRC, and our tax calculator is a great first step to getting it back.
HMRC’s Approved Mileage Allowance Payments (AMAP) system is designed for people using either their own vehicles or public transport for their work travel to temporary workplaces. If your employer isn’t paying you the full AMAP rates for your mileage, you can claim back the difference from HMRC. The current AMAP rates are:
- 45p per mile for the first 10,000 miles.
- 25p per mile after that.
- 24p per mile.
- 20p per mile.
Tax Refund Calculations
Does all my work travel count for a mileage claim calculation?
You can only claim a tax refund for essential travel to temporary workplaces. That means an everyday commute to a regular workplace won't count. However, any travel you do as a necessary part of your job can earn you some tax back.
A temporary workplace basically just means somewhere you're working for under 24 months on the trot. There are some complicated little wrinkles in the rules about this, so it's always worth talking to RIFT to make sure you know where you stand.Start for Free
Need more help?
Speak to us 6 days a week.
Mon-Thurs 08:30 - 20:30
Fri 08:30 - 18:00 and Sat 09:00 - 13:00.
RIFT Refunds, RIFT House, 200 Eureka Park,Upper Pemberton, Ashford, Kent, TN25 4AZ
Want to chat to a member of our team?
Why not use our live chat to speak to an
online advisor now?