Why have I received a tax return?

HMRC issue returns to people who have untaxed sources of income, for example, rental income, foreign pensions and self employment income, as it cannot be taxed at source. People who owe income tax on their savings income or dividends may need to file a tax return if the income tax due cannot be taken through their tax code.

If you are in doubt as to why a tax return has been issued to you, phone HMRC on 0300 200 3300 or, if your household income is below £20,000, ring the Tax Help for Older People helpline on 01308 488066 or use contact us on this website.

If you receive a state pension and/or savings income that is higher than the Personal Allowance (£12,570 2025/26) , there will be income tax to pay. You should be sent a tax calculation from HMRC called a PA302 (a simple assessment), check the figures against your DWP notification of state pension and interest statements from your bank or building society and follow the instructions on how to pay. If you are concerned in any way, or you haven't heard from HMRC contact them or Tax Help for Older People for advice.