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 Refunds Calculator - Get your 2019 tax rebate
If you're unsure whether you can claim tax back use our tax rebate calculator. It gives you an instant estimate of how much your HMRC tax refund will be*. It takes less than a minute to complete and it gives you a free no obligation quote. Get started to today to get your tax refund rolling.
* 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 Refund Calculator
What happens when I've got my tax refund estimate?
Once you've got your estimate, RIFT gets to work on building your refund claim. We'll set up a free MyRIFT account for you, to keep everything simple and moving smoothly. MyRIFT lets you see and update all of your crucial information wherever you are, and track the progress of your claim at all times. Good information's the key to getting the most of your refund - and getting your money back fast.
Our guarantee means you'll never lose a penny
When you claim your tax refund with RIFT, our unique RIFT Guarantee means that you don't have to worry about the taxman reclaiming any of your money. So long as you give us full and accurate information, if HMRC disagrees with the amount that we've claimed and ask for the money back, we'll pay it. It won't cost you a penny.RIFT Guarantee
How long does a HMRC tax rebate take?
- It takes about 8-10 weeks for HMRC to process your tax refund.
- We have 7 specialists teams working hard to maximise your refund and get it to you fast.
- The sooner you start your claim and provide us with the information we need, the sooner you can get your cash back.
Remember there's a strict time limit on claiming refunds from previous years. Anything you don't claim inside 4 tax years is lost forever. April the 6th marks the start of the new tax year, so it's time to get your claim rolling and your money back as soon as possible!
Tax Refund Calculator
How does the RIFT HMRC tax rebate calculator work?
Whether you're PAYE or self-employed, our tax refund calculator will tell you in less than a minute whether you qualify for a HMRC tax refund. Simply fill out your occupation, mileage details and any public transport costs. If you're due a tax refund, our tax calculator will give you the estimated figure.
The RIFT tax calculator will also let you know if you need to send HMRC a Self Assessment tax return. If you do need to file a tax return (if you're self employed, for instance), RIFT can help you with that too. Our tax rebate calculator will even tell you if you could potentially owe tax, although this is very rare. Remember, paying too little tax can be even worse that paying too much - which is why tax refund quotes are so valuable.
If the tax rebate calculator says you can't claim a refund, don't worry. This is actually good news! It just means that you've paid the right amount of tax and have nothing to worry about.
At RIFT, the average 4 year tax refund claim is £2,500 so we made sure that our tax refund calculator lets you look at the last 4 years. You'll have to calculate each tax year separately as each year tax boundaries, Personal Allowances as well as things like tax codes change over time. By taking each year separately, you'll get more accurate tax refund quotes.
Tax Rebate Calculator
How do I calculate my take home pay after tax?
To work out your take-home pay after tax there's a few things that need to be considered. If you're Pay As You Earn (PAYE) your tax is automatically taken out before you get it. If you're paying off a student loan or paying into a pension fund, those payments will typically come out at the same time.
Most people in the UK get a tax free allowance which means you can earn a certain amount before the taxman starts hacking into your pay. Right now, the standard personal allowance is set at £11,850. Anything you earn up to this amount is tax-free.
When your Personal Allowance is used up, you start paying income tax at the basic rate. Once you go over the threshold for the higher rate, the next chunk of your money is taxed even more.There's even an additional rate for very high earners. The standard tax rates for 2018/19 are:
- Up to £11,850: 0%
- £11,851 to £46,350: 20% (basic rate)
- £46,351 to £150,000: 40% (higher rate)
- £150,001 or more: 45%
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. As of 2018/19, you won't pay anything until you earn £702 per month. Whatever you earn between that and £3,863 a month gets hit with a National Insurance rate of 12%. Anything more than that actually drops the rate to just 2%.
Tax Refund Calculations
Is the calculation of my tax and take home pay based only on my salary?
No. Lots of things are taken into account when your tax bill is calculated. Examples include:
- If you're married and either of you was born before April 6th 1935, you could be saving on your tax bill with the Married Couples Allowance. If you’re both younger than that, you could still take advantage of the new Marriage Allowance. This lets one of you transfer some of your tax-free Personal Allowance to the other.
- If you're registered blind, you get an extra tax-free chunk of income on top of your Personal Allowance.
- There are several different rates for National Insurance Contributions and they all make a difference to your tax bill.
- If you're having payments toward a student loan deducted from your pay, your tax can be affected. How that works will depend on the loan scheme you're on and whether you're employed or self-employed.
- If you work abroad for a UK employer, you'll pay UK tax. If you're working for a foreign employer, things might be different. You can find more details on HMRC’s website along with the Overseas Income Assessment forms you need if you are abroad for more than 3 months. If you are a RIFT customer we will take care of all this for you as part of our tax refunds and self assessment service.
- Your sex and date of birth can make a difference to what your tax-free personal allowance should be, and also affect your retirement age.
- There are all sorts of allowances and deductions that can change your calculation. For more about tax allowances and deductions see our tax codes page.
- Your tax code is the basis of your whole calculation, so it needs to be right. The first thing it does is show how much you can earn before paying tax. However, it can also list any special rates or circumstances that apply. Many people find the tax code system confusing. Take a look at our HMRC tax codes explained pages to find out more.
- If you're self employed or working within CIS (the Construction Industry Scheme), a number of specific rules apply to your tax calculation. For example, NICs will be made under Class 4 and Class 2. RIFT is the UK leader in CIS tax refunds, so definitely get in touch if this affects you.
- If you have a “salary sacrifice” for some benefits from your employer, it needs to be taken into account for your tax calculation. A salary sacrifice is what happens when you agree to take less money in exchange for getting things like childcare vouchers.
- If you regularly contribute into a pension plan, the amount you contribute and the type of pension plan that you have will affect your tax calculation.
How to claim a tax refund
How do I claim a tax refund?
If you're confused about how to get a tax refund, RIFT is here to help. From self-employed tax returns to CIS and PAYE, our online tax refund calculator will quickly tell you what you're owed by HMRC. With an average 4-year refund of £2,500 you could be amazed how much you're owed back. Try it now for a fast and simple tax refund quote. Remember there's about £180 million per year sitting at HMRC waiting to be paid back in tax rebates. Get RIFT to ask them for your cash back.
Tax Refund Calculations
Can I claim for a rebate on work mileage on top of a tax rebate?
Yes! If you travel for work, you may be able to claim mileage tax relief. Fill out the form at the top of the page and we'll work out whether you're due a tax rebate and use your mileage to see if you're owed some money on that too.
HMRC has a system called Approved Mileage Allowance Payments, for people who use their own vehicles or public transport for work. If your employer isn't giving you what the AMAP says you're entitled to, you can claim mileage tax relief. Here are the basic AMAP amounts you need to know for filling out the calculator:
- 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?
No. The travel has to be a necessary part of doing your job, and not just your daily commute to work. If you want to know whether you're due a mileage tax rebate, work out your total business miles, minus the commute and add it to the form at the top of the page. We'll tell you what you might be owed.
To qualify, you have to be travelling to a temporary workplace - meaning somewhere you work for under 24 months. There are some complicated ins and outs about what qualifies for a mileage tax refund. Always get in touch with RIFT to find out if you're entitled to cash back from the taxman, and use our tax refund calculator to see what you could claim.Start for Free
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