Know your HMRC penalty exposure.

Free, instant, no signup. Based on HMRC’s published rules.

Current HMRC late payment interest rate: 8.75%·BoE base rate: 4.75%·Last verified 6 May 2025

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MTD Penalty Points

Calculate your Making Tax Digital penalty points and financial penalties under the points-based system.

MTD ITSAPoints2026/27 soft landing

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Late Payment Penalty

Calculate penalties and interest for late payment of income tax under the new 2026/27 penalty regime.

Penalty A & BInterestDaily charges

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Self Assessment Penalty

Calculate penalties for late Self Assessment returns under the current filing and payment rules.

£100 automaticDaily £10Surcharges

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Points Reset Calculator

Find out when your penalty points expire or how long it takes to reset them after reaching the threshold.

Auto-expiry24-month rule12-month compliance

Which calculator do I need?

“I use MTD from April 2026”MTD Points Calculator →“I owe tax and I'm late paying”Late Payment Calculator →“I missed my Self Assessment return”SA Penalty Calculator →“I have penalty points — when do they clear?”Points Reset Calculator →

Guides

MTD ITSA Penalties Explained

The points-based system, soft landing, late payment rules, and how to appeal.

Self Assessment Penalties Explained

The current SA penalty structure, reasonable excuse, and how to appeal.

TaxPenalty.co.uk is a free guidance tool based on HMRC’s published penalty rules as of 6 May 2025. It does not constitute professional tax advice. Penalty rates and interest rates change — always verify your position at gov.uk or with a qualified accountant. No cookies, no tracking, no data stored.