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All pages on UK Money Checks.
Tools
VAT calculator (UK)
Add VAT to a price or remove it from a total at 20%, 5% or any rate, with the working shown.
20%standard rateDo I need to charge VAT? (UK)
Check whether you need to charge VAT and at what rate (20%, 5%, 0% or exempt), based on registration, what you sell and where your customer is.
20 / 5 / 0%VAT ratesSelf Assessment late penalty calculator (UK)
Work out late filing penalties, late payment penalties and interest on a 2025/26 tax return due 31 January 2027.
31 Jan2027 deadlineFinancial check-up (UK)
Quick prompts for common money opportunities: ISA headroom, child benefit charge risk, pension reminders and more. Estimates only.
£20,000ISA allowanceMileage vs actual vehicle costs (UK)
Compare HMRC simplified mileage vs actual running costs using your business miles and (optional) annual costs.
55pper mile 2026/27Sole trader vs limited company (UK)
Rough take-home comparison using simple profit + salary/dividend assumptions. Estimates only.
19–25%corporation taxVAT threshold calculator (UK)
Check your rolling 12-month turnover against the £90,000 VAT threshold and get your registration deadline.
£90,000rolling 12 monthsUK VAT number checker
Check a UK VAT number’s format and check digits, then confirm it with HMRC’s official lookup.
GB + 9digits
Guides
Council tax during probate (UK)
A practical, step-by-step checker for what to do and what to ask your council when a property is in probate.
6 monthsafter probateCouncil tax on an empty property (UK)
Work out what typically happens when a home is empty, what discounts/exemptions may apply, and what to ask your council.
1 yearpremium can startStudent loan and mortgages (UK)
How student loan repayments affect affordability checks and what lenders usually look at.
9%over thresholdVAT: digital services UK vs EU
A practical explainer of common VAT considerations for digital services sold across the UK/EU.
Charging VAT when not VAT registered (UK)
What you can/can’t charge, how to word invoices, and what to do if you made a mistake.
£90,000VAT thresholdVAT refund threshold (UK)
When VAT refunds can happen, common reasons, and what records usually help.
4 yearspre-registration goodsDoes zero-rated VAT count toward the VAT threshold? (UK)
Clarifies how zero-rated supplies typically count toward VAT taxable turnover and what to check next.
£90,000VAT threshold