Step 1: Set Up Your Government Gateway Account

If it’s your first time filing online, you’ll need a Government Gateway account. This provides secure access to HMRC services. During sign-up, have your National Insurance number and other personal details ready to verify your identity.

Step 2: Gather Your Financial Records

To complete your tax return accurately, you’ll need:

Your P60 and/or P45 forms for employment income

Statements for self-employment income or rental income
Records of any savings, investments, or dividends
Details of any other income, such as from property or overseas
Proof of expenses if you're self-employed or claiming deductions

Having all your records organised beforehand will make the process smoother.

Step 3: Log In To HMRC's Online Service

Once your account is set up, log in to HMRC’s online service. From your account dashboard, select “Self Assessment” and choose “Complete your tax return.”

Step 4: Complete Each Section of the Tax Return

HMRC’s online form will guide you through each section. You’ll be asked for details on:

Personal information: Confirm and update personal information, such as your address and contact details.
Income: Enter your income details from employment, self-employment, property, savings, and investments.
Deductions: Include any allowable deductions, such as business expenses, if you’re self-employed, or pension contributions.

Step 5: Review and Double-Check

After entering your information, take the time to review each section. Ensure all figures are accurate and match your records. Errors can lead to penalties or delays in processing.

Step 6: Submit Your Tax Return and Pay

Once you’re satisfied everything is correct, submit your tax return. HMRC will provide a confirmation and calculate your tax owed or any refund due. Note your payment deadline to avoid penalties.

Step 7: Keep a Copy for Your Records

After submission, download or print a copy of your tax return for your records. HMRC keeps your online records, but it’s helpful to have your own copy.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

How to Submit your Tax Return Online