Edition 2.2 · Updated for Budget 2026 · 2026/27 tax year
Is your tax code right?
A 28-page plain-English pack to decode your tax code, check your payslip and reclaim overpaid tax from HMRC yourself.
Real pages from the pack. Tap one to see it full size.
PAYE Tax Code & Refund Check Pack
28 pages · 2026/27
£4.99one-off
- Every tax code explained, including K, BR and 0T
- Payslip check worksheet
- Reclaim up to four years from HMRC yourself
- Six worked examples
Instant download · no subscription · secure payment by Stripe
Not what you needed? Contact us and we’ll refund you in full.
Need more than one? Explore the Tax Pack Library · all 7 packs, £9.99
Budget-proof
The Autumn Budget is on 28 October. If it changes anything in this pack, we’ll update it and your download link will serve the new edition free. If your link has expired, ask through our contact form and we’ll send the update.
- Secure payment by Stripe
- Download link valid 30 days
- Updated for 2026/27
- No account needed
Check your pay is right, then claim what you're owed
Your take-home figure is only right if your tax code is right. The pack starts there, then works through the reliefs people most often miss and shows you how to put things right with HMRC.
Decode your tax code
A full reference for 1257L, L, M, N, BR, D0/D1, 0T, K, NT, the W1/M1/X emergency codes and the S and C prefixes.
Check your payslip
What every payslip line tells you, a list of warning signs, and a worksheet to compare your payslip with the calculator.
Emergency tax, two jobs and pensions
Why new starters often overpay, how an allowance gets split badly between two jobs, how the State Pension uses up your code, and how overpaid tax comes back.
Money you may be owed
Marriage Allowance, job expenses and mileage, backdated working-from-home claims, and higher-rate pension relief.
The traps and the deductions
Student loan overpayments, savings and dividend tax in your code, the £100,000 trap and the Child Benefit charge.
Fix it with HMRC, yourself
Step by step through your Personal Tax Account, the four-year limit, what to do if you've underpaid, six worked examples, a claim tracker and where to get free help.
See the full contents page
- The 2026/27 numbersp.3
- How PAYE works; anatomy of a payslipp.4–5
- Decode your tax code: letters, numbers and how a code is builtp.6–7
- Is your code wrong? Warning signs and payslip check worksheetp.8
- Two jobs, or a job and a pensionp.9
- Emergency tax, and getting it backp.10
- Pensioners: State Pension and your tax codep.11
- What you might be owed, at a glancep.12
- Marriage Allowancep.13
- Job expenses, uniforms and mileagep.14
- Working from home: the last claimsp.15
- Higher-rate pension reliefp.16
- Student loans: are you overpaying?p.17
- Savings and dividends in your codep.18
- The £100,000 trap and the Child Benefit chargep.19–20
- How to check and fix it with HMRC; the four-year deadlinesp.21
- If you've underpaidp.22
- Don't give a third of it away; six worked examplesp.23–25
- Claim tracker; quick wins and mistakes; sourcesp.26–28
Three real pages from the pack
Tap a page to see it full size.
Written for employees and pensioners on PAYE
A good fit if you…
- have a tax code that isn't 1257L and don't know why
- recently started a job, or have two jobs or a job and a pension
- pay 40% or 45% tax into a personal pension
- are married with one partner earning under £12,570
- want to check your payslip before paying anyone to do it
Probably not for you if…
- you're self-employed or a company director: your tax works differently
- you want someone to deal with HMRC on your behalf
- you need personal advice on your whole financial picture
Frequently asked questions
What exactly do I get?
A 28-page PDF, the PAYE Tax Code & Refund Check Pack for the 2026/27 tax year (Edition 2.2, checked against official sources and updated for Budget 2026 on 28 October 2026). You download it straight after payment and keep it. The link works for 30 days.
Is this a tax refund service?
No. We don't contact HMRC for you and we don't take a cut of anything you're owed. The pack shows you how to check your tax code and make any claims yourself, directly with HMRC, for free.
Will it tell me if my tax code is wrong?
It shows you how to read your code and payslip, lists the common reasons codes go wrong, and gives you a worksheet to compare your payslip with the calculator. Only HMRC can change your code; the pack explains how to ask them.
Does it cover Scotland and Wales?
Yes. The main tables are for England, Wales and Northern Ireland, and page 3 also gives the 2026/27 Scottish bands. It explains the S and C prefixes and the Scottish SBR and SD codes, and the reliefs and HMRC steps are UK-wide.
Is it personal tax advice?
No. It is general information about the PAYE system. For decisions that depend on your wider finances, such as large pension contributions, speak to a qualified adviser.
What if it isn't what I needed?
Use our contact page and we'll refund you in full.
Decode your code, compare your payslip, and see which reliefs could apply to you.
PAYE pack · 28 pages · instant download · refunds via our contact page
General information only, not financial or tax advice. Terms