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.
Penalties
£1,600
Interest
£583
Tax owed
£3,000
Year total
£5,183
Penalties
£1,600
Interest
£815
Tax owed
£3,000
Year total
£5,415
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.
Total exposure
£10,598
2 years outstanding
Free, no-obligation assessment. Response within 2 hours.
£4,598 penalties + interest, on £6,000 taxBreakdown ▾
High enforcement risk
One or more years are past 12 months. HMRC has enforcement powers including determinations, bailiff instructions, and bank account freezing.
HMRC can enforce on the oldest years
Possible saving from coming forward voluntarily
£960
Once HMRC opens an enquiry, the lower unprompted penalty rate is off the table.