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UK Self Assessment · Risk Indicator

Know what stands out before you file.

Enter your figures and we'll check them against the patterns HMRC's compliance checks tend to flag — round numbers, unusual ratios, mileage that doesn't add up. Get an instant risk badge, free.

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Self Assessment — 2025/26Scanning…
Turnover
£48,200.00
Total expenses
£34,920.00
Motor costs
£6,100.00
Mileage claimed
11,400 mi
Use of home
£1,040.00
Travel & subsistence
£2,500.00
Net profit
£13,280.00
How it works

Three steps to clarity.

01

Enter your figures

Turnover, expenses, mileage and a few other details from your Self Assessment — takes about two minutes.

02

Get your free risk badge

A deterministic scoring engine checks your figures against twelve known HMRC red-flag patterns and gives you a LOW, MODERATE or HIGH rating — instantly.

03

Unlock the full report

For £19.99, get a full PDF report explaining exactly why each indicator triggered, what HMRC normally checks, and a document checklist — emailed straight to you.

Check your return

Enter your Self Assessment figures.

All figures should be for the tax year you're checking. We only use these figures to calculate your risk indicator.

Important: This tool provides an automated risk indicator based on statistical patterns. It does not constitute tax advice and should not be relied upon for actual tax planning or filing decisions. Nothing submitted here is sent to HMRC. For advice specific to your circumstances, please consult a qualified tax professional.

About this return

We'll send your full report here once it's ready.

Used to apply industry-specific thresholds and HMRC focus areas to your result. Choose “General / Other” if none of these match.

Income

Enter the figures for the whole tax year, as they'd appear on your return.

£
£

Cost of goods sold / materials (SA103F). Leave as 0 if not applicable.

£

Commissions, royalties or other non-turnover business income

£

SEISS, local authority grants, Eat Out to Help Out, etc.

Expenses

Enter individual expense categories. Leave any that don't apply as zero. The total should reconcile to your SA103F total expenses figure.

£

Wages, salaries and employer NI contributions

£

Rent, rates, power, water, insurance

£
£
£
£
£
£
£
£

Accountancy, legal and other professional fees

£
£

Irrecoverable debts written off

£
£

Note: entertaining is never deductible for tax — include here if it appears in your accounts

£

Any other business expenses not captured above

Total expenses (SA103F)£0.00

Other income & personal figures

These figures power additional checks — leave anything that doesn't apply as zero.

£

Leave as 0 if this is your first year

£

Living costs drawn from the business

%

Approximate % of turnover received as cash

£

Personal pension contributions made during the year

Capital allowances

Enter any capital allowances claimed. Leave as zero if not applicable.

£

Maximum £1,000,000 per year

£
£
£

Electric vehicles, energy-efficient plant, etc.

£

Where assets were sold above pool value — reduces allowances

Vehicle & mileage

miles
Method used for vehicle costs

Whether you've claimed a flat rate per mile, or the actual running costs of the vehicle.

Compliance & reporting

VAT registered
?
What this checks
We check whether your turnover is suspiciously close to (but under) the £90,000 VAT threshold — a pattern HMRC calls 'VAT suppression' and actively investigates.

Confirms your VAT status

PAYE or CIS scheme
?
What this checks
If you claim staff wages or subcontractor costs but have no PAYE or CIS scheme registered, HMRC will question how those workers were paid and whether tax was deducted correctly.

Only relevant if you pay staff or subcontractors

Cryptoasset disposals
?
What this checks
Cryptoasset gains must be declared on a separate SA108 Capital Gains Tax form. HMRC receives data from UK exchanges and cross-references it. Saying YES adds a reminder to your results.

Sold, swapped or spent crypto this year

Online marketplace income
?
What this checks
Under DAC7 rules (from Jan 2024), HMRC receives sales data directly from eBay, Etsy, Airbnb, Uber and other platforms. If your declared income doesn't match what they report, HMRC will query it.

e.g. eBay, Etsy, Airbnb, Uber

Foreign income or assets
?
What this checks
HMRC receives data from 100+ countries under the Common Reporting Standard (CRS). Overseas bank accounts, rental income and investments must be declared. Omissions are one of HMRC's top enquiry triggers.

Overseas income, accounts or property

Additional information

Loss this year
?
What this checks
Two or more consecutive losses significantly increase HMRC enquiry risk. We also check whether you're offsetting this loss against other income sources such as employment — a pattern HMRC scrutinises closely.
Loss last year
?
What this checks
A second consecutive loss year is a strong HMRC risk indicator. Combined with other income, it suggests the business may not be genuinely commercial — HMRC can deny loss relief in those cases.
Other income
?
What this checks
Having employment, rental or savings income alongside self-employment means HMRC cross-references your PAYE records, property filings and bank interest data against your SA return. Any mismatch triggers an enquiry.

Employment, property, savings, etc.

Spouse or partner on payroll
?
What this checks
HMRC specifically targets wages paid to family members. If the salary isn't proportionate to the work actually done, or the role can't be justified commercially, the deduction can be disallowed in full.

Spouse, civil partner or family member paid as employee

R&D tax credit claimed
?
What this checks
R&D tax credits are HMRC's single biggest fraud area right now. HMRC has a dedicated team and is opening enquiries into the majority of claims. Saying YES flags this for your results so you know the scrutiny level.

Research and Development enhanced relief or tax credit

Cash basis used
?
What this checks
Switching between cash basis and accruals basis between years can artificially shift profits. HMRC watches for unexplained basis changes, especially where they reduce taxable profit.

Income and expenses recorded when received/paid, not when earned/incurred

Connected party income
?
What this checks
Transactions between related businesses or family members must be at arm's length (market rate). HMRC applies transfer pricing principles even to small businesses where artificially low prices reduce taxable profit.

Income from family members or related businesses

Entertainment claimed as expense
?
What this checks
Business entertainment — meals, events, hospitality for clients — is never tax-deductible in the UK (ITTOIA 2005 s.45). Claiming it is always disallowed and immediately flags your return for review.

Client / customer entertaining included in expense figures

Your free result appears immediately. Nothing is sent to HMRC.