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With the 31 January 2026 Self Assessment deadline fast approaching, millions of taxpayers have yet to submit their returns. HM Revenue & Customs is once again urging people not to leave things until the last minute, warning that missing the deadline can quickly become costly.
According to HMRC, around 5.65 million people still need to file their Self Assessment tax return. By contrast, more than 6 million taxpayers have already completed the process, meaning they entered the new year with their tax affairs fully up to date.
The deadline to file and pay Self Assessment tax for the 2024–2025 tax year is 31 January 2026. Missing this date automatically triggers a £100 late filing penalty, even if no tax is ultimately due. If the return remains outstanding after three months, daily penalties can apply, with total charges potentially reaching £900, before interest and further penalties are added.
For landlords, self-employed individuals, and others with additional income outside PAYE, filing on time is particularly important to avoid unnecessary costs and administrative hassle.
Self Assessment returns can be filed online through GOV.UK. If you still need to submit, you can log in and file your tax return here.
HMRC continues to encourage taxpayers to make use of the HMRC app, which allows users to view their tax position and make payments quickly and securely. Payments made through the app are confirmed immediately and typically take less than a minute to complete. The app can be downloaded here: Download the HMRC app
There is also detailed guidance available on different ways to pay your Self Assessment bill, including online banking and card payments.
For those who have not yet started—or who are unsure how to complete certain sections—there is a wide range of official help available online. GOV.UK provides step-by-step guidance and tools, including:
If you can file your return but are unable to pay the full amount by the deadline, it may still be possible to avoid late payment penalties. HMRC allows eligible taxpayers to set up a Time to Pay arrangement online, spreading the cost over monthly instalments for debts of up to £30,000, without the need to speak directly to HMRC. A return must be filed first before this option becomes available.
For larger amounts or longer repayment periods, HMRC should be contacted directly.
Further information about the Self Assessment system can be found here: Self Assessment tax returns
With penalties automatic and support widely available, the clear message is not to delay. Filing sooner rather than later reduces stress—and avoids unnecessary costs.