PAYE RECONCILIATION · 2026/27
Tax rebate estimator
Compare tax already deducted with a simplified annual liability before checking your official HMRC record. It is a quick sense-check when payslips, tax codes or job changes make the year-end number unclear.
Potential overpayment
- Estimated annual Income Tax liability
- £5,886
- Tax already paid
- £7,200
This is a rough comparison, not an HMRC rebate claim. It excludes benefits, pension relief, Gift Aid, savings and dividends, prior-year adjustments and Self Assessment payments.
What this calculator does
It compares tax already paid with a simplified annual estimate so you can see whether there might be a refund or underpayment. That helps users decide whether the next step is HMRC, payroll or a fuller review of their income record.
Worked example
A positive rebate estimate does not mean the refund is guaranteed. HMRC will still reconcile the full record, including benefits, other income, reliefs and any earlier adjustments that the calculator may not know about.
SOURCES & REVIEW
Checked against official guidance
Last reviewed 1 September 2026 · Rule version GB-2026.27.1
Daily/weekly source monitoring. If a source changes, the affected rule set is reviewed before publication.
All source links are kept visible so you can verify the figures used on this page.
GOV.UK: Claim a tax refund ↗GOV.UK: Check your Income Tax ↗Sources, methodology and update policy →Report an issue or correction →WHY RESULTS DIFFER
Why two users can see different results
Why the result can differ
Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
This section is intentionally repeated on key tools so the explanation stays near the result instead of being hidden in a separate policy page.
COMMON QUESTIONS
Frequently asked questions
Does a positive estimate guarantee a refund?
No. HMRC uses your complete record, including benefits, other income, reliefs and earlier adjustments.
Can this replace Self Assessment?
No. If you must file Self Assessment, use the official return and complete records.
Should I contact payroll or HMRC first?
Usually check the payslip and tax code first; if the code looks wrong, HMRC may need to update it.
Can benefits or multiple jobs change the answer?
Yes. Extra income, benefits and later HMRC adjustments can change the final year-end position.
Is this better than waiting for HMRC?
It is useful for a quick estimate, but HMRC records still decide the real outcome.