Find the money you can keep

Claim every penny, file on time, owe nothing

Simple country guides to benefits, tax credits, filing and dealing with tax debt.

Claim what you are owed, file on time, stay out of debt

Unclaimed credits and late penalties cost ordinary people the most. Pick your country.

Claim benefits and credits in UK

Check what you can claim with a free benefits calculator on GOV.UK (Turn2us and entitledto are listed there).
Universal Credit replaces most older benefits for working age people. Apply online at GOV.UK and keep your journal up to date.
Child Benefit is worth claiming even if you earn over £60,000, because it protects your State Pension through National Insurance credits.
Marriage Allowance lets a lower earner move £1,260 of allowance to a partner, saving up to £252 a year, and you can backdate four years.
Claim tax relief on work uniforms, professional fees and working from home costs through your HMRC online account.

GOV.UK benefits HMRC Self Assessment MoneyHelper

General guidance, not personal advice. Dates and amounts change, so check the official source.

Members: claw back missed money and cut what you owe

Backdated claims worth hundreds, a refund checklist and penalty-cutting steps for all five countries.

Tax credits, refunds and debt: common questions

The tax questions people ask most when money is tight. Missing yours? Use Search and tell us.

How do I claim a tax refund?

HMRC usually sends overpaid PAYE tax back automatically after the tax year. For job expenses or a refund mid-year, use your HMRC online account. Avoid refund firms that take a cut.

Can HMRC take money from my bank for tax debt?

In limited cases HMRC can recover debts over £1,000 directly, but it must leave you at least £5,000. Setting up Time to Pay stops this.

Does tax debt show on my credit file?

Not directly, but a County Court Judgment for unpaid tax does, for six years. Deal with HMRC letters early.

Will Universal Credit be cut if I earn more?

It reduces by 55p for each £1 you earn over your work allowance, so working more always leaves you better off.

Have a question? Ask it in the tax forum.

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