Free Tool · Years Behind?
Multi-Year Late Return Exposure Estimator
Add each year you haven't filed. We calculate the total penalties, interest, and tax owed across all years — and show you what filing now would save.
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Tax yearEstimated tax owedDays overdue (auto-filled)
£
days
Penalties
£1,600
Interest
£487
Tax owed
£3,000
Year total
£5,087
HMRC may have issued a determination for this year — enforcement risk is significant.
£
days
Penalties
£1,600
Interest
£712
Tax owed
£3,000
Year total
£5,312
HMRC may have issued a determination for this year — enforcement risk is significant.
Days overdue are auto-calculated from the 31 January deadline for each tax year. Adjust manually if you know a different date. Interest calculated at 7.5% p.a. (HMRC rate as at March 2026).
Total exposure
£10,399
2 years outstanding
Breakdown
Total tax owed£6,000
Total penalties£3,200
Total interest£1,199
Penalties + interest£4,399
High enforcement risk
One or more years are past 12 months. HMRC has enforcement powers including determinations, bailiff instructions, and bank account freezing.
What voluntary disclosure typically saves
Coming forward before HMRC contacts you qualifies as an "unprompted disclosure" — HMRC reduces penalty percentages by up to 30% compared to a prompted disclosure.
On £3,200 in penalties, that's a potential saving of up to £960.