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Why you have an end-of-year bill to pay

If you have an end-of-year bill it will be for income tax, Working for Families Tax Credits or your student loan. There are a few common reasons why you might have a bill to pay.

If you earn salary or wages or are on a benefit 

If you only earned salary or wages or are on a benefit, you might have an income tax bill to pay if:

  • you didn't use the right tax code with one or more employers, or
  • your income changed during the year.

Using the right tax code helps your employer know how much tax to deduct from your pay.

Any changes to your income during the year can cause too much or too little tax to be deducted. This means you could have either a refund or more tax to pay. This could happen if you:

  • had an extra pay day during the year
  • received a lump sum payment or bonus
  • had a pay increase
  • worked overtime
  • reduced your work hours
  • changed jobs.

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If you're self-employed or earn business income 

If you're self-employed or earn business income your bill will be income tax you still have left to pay. You could have a bill if you didn't pay:

  • provisional tax and have to pay your tax bill now, or
  • enough provisional tax during the year.

Find out more about provisional tax

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If you earn income that's not from salary or wages and have a student loan 

If you didn't meet your student loan repayment obligations you might have a bill if you:

  • haven't paid the right student loan amounts if you have adjusted net income requiring an:
    • IR3 income tax return, or
    • personal tax summary
  • underestimated your interim student loan payments.

Find out more about student loan repayments

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If you receive Working for Families Tax Credits 

You might have a bill if you received more Working for Families Tax Credits than you should have. This can happen if the information we base your payments on during the year is wrong, for example:

  • your family income was underestimated
  • your family circumstances changed during the year
  • you weren't eligible for the payments you received.

Find out more about Working for Families Tax Credits