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Martin Lewis Warns 5.6 Million to File UK Self Assessment Before Jan. 31

Paying an estimated amount now can reduce interest charged at 7.75% on any unpaid tax.

Overview

  • HMRC reports over 6.36 million returns already filed, leaving roughly 5.6 million still due for the 2024/25 tax year covering 6 April 2024 to 5 April 2025.
  • Missing the 31 January filing deadline triggers a £100 fixed penalty even if no tax is due or it is paid on time.
  • Further sanctions include £10 daily penalties after three months and additional charges of 5% of tax due or £300 at six and 12 months.
  • Unpaid balances accrue 7.75% interest from the deadline plus late-payment surcharges of 5% at 30 days, six months and 12 months.
  • Those who must file commonly include self‑employed people earning over £1,000, higher‑rate taxpayers and those with significant untaxed income, with HMRC’s online portal and app allowing users to start, save and set reminders.