The UK Tax Year Explained

The UK tax year — officially called the fiscal year — runs from 6 April to 5 April the following year. This quirky start date dates back to the switch from the Julian to the Gregorian calendar in 1752, when 11 days were lost from the calendar. The Treasury refused to lose 11 days of tax revenue, so the tax year shifted accordingly.

The 2025-26 tax year runs from 6 April 2025 to 5 April 2026. For self-assessment purposes, tax returns for 2024-25 are due by 31 January 2026, which falls within the 2025-26 tax year.

Key 2025-26 Tax Facts

Personal Allowance: £12,570 | Basic Rate (20%): £12,571–£50,270 | Higher Rate (40%): £50,271–£125,140 | Additional Rate (45%): over £125,140 | National Insurance: 8% (£12,570–£50,270), 2% above

Master Deadline Table: All UK Tax Deadlines 2025-26

The table below covers every major HMRC deadline across self-assessment, PAYE, VAT, and corporation tax for the 2025-26 tax year period.

Date Deadline Who It Affects Penalty if Missed
5 Apr 2025 End of 2024-25 tax year Everyone
6 Apr 2025 Start of 2025-26 tax year Everyone
5 Oct 2025 Register for self-assessment (2024-25) New self-assessment taxpayers Penalty based on unpaid tax
19 Oct 2025 PAYE/NI payment (cheque) – Q2 Employers paying quarterly Interest + surcharges
31 Oct 2025 Paper self-assessment return (2024-25) Self-employed, landlords, directors £100 immediate
19 Jan 2026 PAYE/NI payment (cheque) – Q3 Employers paying quarterly Interest + surcharges
31 Jan 2026 Online self-assessment return (2024-25) Self-employed, landlords, directors £100 immediate
31 Jan 2026 Tax payment (2024-25 balancing) Self-assessment taxpayers 5% surcharge + interest
31 Jan 2026 1st Payment on Account (2025-26) Self-assessment taxpayers 5% surcharge + interest
5 Apr 2026 End of 2025-26 tax year Everyone
6 Apr 2026 Start of 2026-27 tax year Everyone
31 Jul 2026 2nd Payment on Account (2025-26) Self-assessment taxpayers 5% surcharge + interest
31 Jan 2027 Online self-assessment return (2025-26) Self-assessment taxpayers £100 immediate
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Days Until Your Deadline

Tax Calendar by Month
April 2025
6 April

New Tax Year Begins

2025-26 tax year starts. New allowances and thresholds apply from this date. P60s issued to employees by 31 May.

May 2025
31 May

P60 Issued to Employees

Employers must give P60s to all employees who were on their payroll on 5 April 2025.

July 2025
6 July

P11D Submission Deadline

Employers must submit P11D forms reporting employee benefits in kind for 2024-25.

31 July

2nd Payment on Account (2024-25)

Second instalment of estimated tax bill for 2024-25. Each payment is 50% of the prior year's tax liability.

October 2025
5 October

Register for Self-Assessment

Deadline to tell HMRC you need to complete a tax return for 2024-25.

31 October

Paper Tax Return Deadline

Last date to file a paper self-assessment return for 2024-25 tax year.

January 2026
31 January

THE KEY DEADLINE — Three Things Due

1. Online self-assessment return for 2024-25. 2. Balancing payment of tax owed for 2024-25. 3. First payment on account for 2025-26. HMRC receives millions of returns on this single day — file early to avoid website delays.

July 2026
31 July

2nd Payment on Account (2025-26)

Second of two advance payments toward your 2025-26 tax bill. Each is 50% of your 2024-25 tax liability.

Payment on Account Explained

Payments on account are advance payments toward your next year's tax bill. If your self-assessment tax bill for the previous year exceeded £1,000 and less than 80% was deducted at source (e.g. via PAYE), HMRC requires you to make two payments on account.

How Payments on Account Work

  • Each payment = 50% of your previous year's total income tax and Class 4 NI liability
  • First payment: Due 31 January (same as your return deadline)
  • Second payment: Due 31 July
  • Balancing payment: Due 31 January the following year — the difference between what you paid on account and what you actually owed

Example: Payment on Account Calculation

If your 2024-25 tax bill was £6,000 and less than 80% was deducted via PAYE:

  • By 31 Jan 2026: Pay £6,000 (2024-25 balancing payment) + £3,000 (1st payment on account for 2025-26)
  • By 31 Jul 2026: Pay £3,000 (2nd payment on account for 2025-26)
  • By 31 Jan 2027: Pay any remaining 2025-26 tax minus the £6,000 already paid on account

Can You Reduce Payments on Account?

Yes. If you expect your 2025-26 income to be lower than 2024-25, you can apply to reduce your payments on account using form SA303 via your HMRC online account. However, if you reduce them too much, HMRC will charge interest on the shortfall.

What Happens if You Miss the 31 January Deadline?

Missing the 31 January self-assessment deadline triggers an immediate £100 fixed penalty — even if you have no tax to pay or have already paid all the tax you owe. The penalties escalate significantly:

  • Day 1 after deadline: £100 automatic penalty
  • After 3 months (30 April): £10 per day, up to 90 days maximum (£900 additional)
  • After 6 months (31 July): Greater of £300 or 5% of the tax due
  • After 12 months (31 January 2027): A further £300 or 5% of the tax due (whichever is higher)
  • Interest: Charged on unpaid tax at Bank of England base rate + 2.5%

VAT Return Deadlines

VAT-registered businesses must file VAT returns and pay VAT due by the VAT payment deadline — typically one month and seven days after the end of each VAT accounting period. Most businesses file quarterly, though monthly and annual VAT accounting is also available.

Corporation Tax Deadlines

Corporation tax returns (CT600) must be filed within 12 months of your company's accounting period end. Payment is due nine months and one day after your accounting period ends (for companies with profits under £1.5m). Large companies pay in quarterly instalments.

Frequently Asked Questions
When does the UK tax year start and end in 2025-26?
The 2025-26 UK tax year starts on 6 April 2025 and ends on 5 April 2026. This annual pattern has been in place since the adoption of the Gregorian calendar. The 2026-27 tax year then begins on 6 April 2026.
What are the three things due on 31 January 2026?
The 31 January 2026 deadline covers: 1. Your online self-assessment tax return for the 2024-25 tax year. 2. The balancing payment of any tax owed for 2024-25 that wasn't covered by payments on account. 3. Your first payment on account toward the 2025-26 tax year. This makes 31 January the single most important date in the self-assessment calendar.
Do I need to complete a self-assessment tax return?
You usually need to complete self-assessment if you: are self-employed (sole trader) and earned more than £1,000; are a company director; earned over £100,000; received income from abroad; earned income from renting property; received untaxed income over £2,500; or claimed Child Benefit and either you or your partner earned over £60,000 (the High Income Child Benefit Charge threshold from April 2024).
What is the PAYE tax year-end process for employers?
Employers must complete several tasks at tax year-end: submit their final Full Payment Submission (FPS) or Employer Payment Summary (EPS) for the year; issue P60s to all employees by 31 May 2025; submit P11D forms for benefits in kind by 6 July 2025; and ensure all PAYE and NI payments are up to date. RTI (Real Time Information) means employers report payroll information to HMRC on or before every pay day throughout the year.
Can I get an extension on my tax return deadline?
HMRC does not routinely grant extensions to self-assessment deadlines. However, if you have a genuine reason (such as serious illness, bereavement, or HMRC systems failure), you may appeal against a late filing penalty by providing evidence of a reasonable excuse. Appeals must typically be made within 30 days of the penalty notice. The appeal process does not stop penalties accumulating — file as soon as possible even if late.
When do the 2025-26 ISA allowances reset?
ISA allowances reset at the start of each new tax year on 6 April. The 2025-26 ISA allowance is £20,000 per adult. You cannot carry unused ISA allowance forward to the next year — it is use it or lose it. JISA (Junior ISA) allowance is £9,000 per child. Lifetime ISA (LISA) allows up to £4,000 per year (with a 25% government bonus) for those aged 18-39.
MB

Mustafa Bilgic

UK tax and financial planning specialist. Updated February 2026 with HMRC-verified deadline information for the 2025-26 tax year.