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Chartered Certified Accountants
Chartered Certified AccountantsKiQi House, Hanley, Stoke-on-TrentEst. 2020
KiQiCulators

P60 and tax refund checker

Put in the figures from your P60 or last payslip and see if HMRC owes you a refund or you still owe tax, with Gift Aid, mileage, uniform and work costs added in.

馃嚞馃嚙 For UK taxpayers only

Your P60

Copy the figures from your P60 (or your last payslip of the tax year). Pick the tax year at the top to match it: a 2025/26 P60 covers 6 April 2025 to 5 April 2026.
A tax code ending in M means you get Marriage Allowance from your partner; N means you give it. We pick this from your code, and you can change it if the claim is not in your code yet. The tax is worked out from the standard 拢12,570 allowance; your code is only used to check what your employer took.
The pay on a P60 is already after any pension taken before tax (net pay or salary sacrifice), so use it as it is.

Claims for the year

Gift Aid: put what you gave; the charity claims 20% on top, and higher-rate taxpayers get the rest back. Mileage: not your commute; HMRC allows 45p a mile for the first 10,000 (55p from April 2026), then 25p, less what your employer paid. Uniform: most jobs have a flat rate, often 拢60 a year. Put in the full amounts, even if HMRC already gives you some in your tax code: the tax is worked out from the standard allowances, so nothing is counted twice.

Was the right tax taken?

Your P60 comes from your employer by 31 May each year. Lost it? The same figures are in your HMRC app or personal tax account under "PAYE income". A refund is claimed by phoning HMRC, through your personal tax account, or on your tax return; HMRC can also send a P800 after the year ends. You can go back four years.

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Leave my job?

Compare your job with working as a sole trader (with or without CIS) or through your own limited company, and see the day rate you need to earn the same.

Two directors

Two directors in one company, such as a couple: compare small salaries plus dividends with bigger salaries, and see the money left for the family and the total tax paid.

Sole trader or Ltd?

The same work two ways: sole trader against your own Ltd company, with running costs, use of home, CIS, rent and savings, the total tax each way and the point where a company starts to pay.

Payslip and salary

See what you take home after income tax, National Insurance, student loan and pension. Compare two salaries side by side.

Self-employed

Your income tax, Class 4 National Insurance and the dates to pay HMRC, with payments on account worked out for you.

CIS

Contractors take 20% (or 30%) off your labour. See your real tax bill and whether HMRC owes you a refund.

Company director

Work out the best mix of salary and dividends for 2026/27, with corporation tax, dividend tax and the dates to pay.

Compare

Put the same money through three ways of working and see which leaves you the most.

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How it is worked out

  • Your pay from all jobs in the year is added up, then any work expenses you can claim are taken off.
  • Your tax code gives your tax-free allowance (1257L is 拢12,570). The rest is taxed at 20%, 40% and 45% (Scotland has its own rates).
  • Gift Aid is grossed up by 25% and makes your 20% band bigger, so higher-rate taxpayers pay less 40% tax.
  • Work mileage in your own car is allowed at 55p a mile for the first 10,000 and 25p after (45p before April 2026), less what your employer paid.
  • The tax due is compared with the tax taken on your P60 to show a refund or an amount still to pay.

Questions people ask

How do I know if I paid too much tax?

Put the pay, tax and tax code from your P60 into the checker. If the tax taken is more than the tax due, the difference is your refund.

Can I claim a tax refund for work mileage or my uniform?

Yes, if your employer does not pay you the full HMRC rate. Claims up to 拢2,500 can be made online with a P87; above that you need a Self Assessment tax return.

How far back can I claim a tax refund?

Four tax years. In 2026/27 you can still claim for 2022/23 onwards.

Why does my tax code matter?

The code sets your tax-free allowance. A wrong code, such as an emergency code or one that still counts a benefit you no longer get, is the most common reason for paying the wrong tax.

Want the real numbers?

These are estimates. Talk to a KiQi accountant about your own situation and the best way to pay yourself.

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Estimates only, for UK taxpayers in England, Wales, Scotland and Northern Ireland, using the rates for the tax year you pick at the top. Nothing you type leaves your browser. Not financial advice.