Post-Year-End Tax Saving Strategy

Just because the tax year has ended doesn't mean your opportunities to save tax have gone—there are still ways to reduce your tax bill after 5 April. You can amend your Self Assessment tax return within 12 months of the filing deadline (e.g., for 2024/25 tax year filed by 31 January 2026, amendments must be made by 31 January 2027) to claim missed expenses, correct errors, or claim tax relief (gov.uk amend tax return). Amending your tax return online requires waiting 3 days (72 hours) after initial submission, then logging into your Government Gateway account, selecting the tax year to amend, making corrections, and re-filing. You can claim missed expenses and tax relief through the amendment process within the 12-month window, including claiming overpayment relief up to 4 years after the end of the tax year if you believe you've paid more tax than necessary.

The problem is most people think once the tax year ends (5 April), all opportunities to save tax are gone. They don't realise they can amend returns, claim missed expenses, or request overpayment relief. That causes problems—overpaid tax that could be recovered, missed expenses that could reduce tax, and confusion about what options are still available after year-end.

We handle post-year-end tax saving strategies for individuals and businesses across Kent: amendment review (reviewing your filed tax return to identify missed expenses, errors, or opportunities to claim tax relief), missed expense claims (identifying and claiming expenses you forgot to include, such as business expenses, capital allowances, or other deductions), tax relief claims (claiming tax reliefs you missed during initial filing, such as pension relief, charitable giving relief, or other applicable reliefs), error correction (correcting errors in income, expenses, or calculations that resulted in overpayment), overpayment relief claims (claiming overpayment relief for tax overpaid if you missed the 12-month amendment deadline, up to 4 years after the tax year), and amendment filing (preparing and filing amendments to your tax return, ensuring all corrections are made correctly and deadlines are met). Whether you're an individual in Medway who forgot some expenses, a business in Maidstone with errors in your return, or someone in Canterbury wanting to claim overpayment relief, we'll handle your post-year-end tax saving strategy that works. No missed opportunities, no overpaid tax—just practical help to reduce your tax bill after year-end.

What this helps you do (fast)

• Claim missed expenses — We'll identify expenses you forgot to include in your tax return and help you claim them through amendments. Claiming expenses reduces your tax bill.
• Correct errors that caused overpayment — We'll find errors in income, expenses, or calculations that resulted in overpaying tax and help you correct them. Correcting errors can result in refunds.
• Claim missed tax reliefs — We'll identify tax reliefs you missed during initial filing and help you claim them through amendments. Claiming reliefs reduces your tax.
• Request overpayment relief — If you missed the 12-month amendment deadline, we'll help you claim overpayment relief up to 4 years after the tax year. Overpayment relief can recover overpaid tax.
• Reduce your tax bill legally — We'll help you use all available post-year-end strategies to reduce your tax bill within HMRC rules. Reducing tax saves you money.
• Get tax refunds — Amendments and overpayment relief claims can result in tax refunds if you've overpaid. Getting refunds puts money back in your pocket.

How it works

Step-by-step process for post-year-end tax saving strategies:

1. Discovery call — We chat about your situation: when you filed your tax return, what tax year it relates to, whether you think you've missed expenses or made errors, whether you've received your tax bill and paid it, what concerns you have, and what you want to achieve. Understanding your situation helps us identify opportunities.
2. Tax return review and opportunity identification — We review your filed tax return to identify opportunities:
   • Expense review — We review your expenses to identify any you may have forgotten (business expenses, capital allowances, travel expenses, professional fees, etc.).
   • Income review — We review your income to identify any errors in reporting that may have caused overpayment.
   • Relief review — We review whether you've claimed all available reliefs (pension relief, charitable giving relief, tax-efficient investments, etc.).
   • Calculation review — We review calculations to identify any errors that may have resulted in overpayment.
   • Opportunity list — We create a list of opportunities to reduce your tax bill through amendments.
   Tax return review identifies what can be claimed or corrected.
3. Amendment deadline check — We check whether you're within the amendment deadline:
   • 12-month deadline — We check if you're within 12 months of the filing deadline (31 January following end of tax year). If yes, you can amend online.
   • 4-year deadline for overpayment relief — If you've missed the 12-month deadline, we check if you're within 4 years of the end of the tax year for overpayment relief claims.
   • Deadline planning — We plan amendments or claims to ensure deadlines are met.
   Deadline check ensures we use the right process.
4. Amendment preparation (within 12-month deadline) — If you're within the 12-month deadline, we prepare amendments:
   • Online amendment process — We wait 3 days (72 hours) after your original submission (if recently filed) before making online amendments.
   • Correction preparation — We prepare corrections to income, expenses, reliefs, or calculations based on our review.
   • Government Gateway access — We guide you through logging into your Government Gateway account and making amendments (or we can prepare the amendments for you to review and submit).
   • Re-filing — We help you re-file the amended return with all corrections included.
   Amendment preparation ensures corrections are made correctly.
5. Overpayment relief claim (if past 12-month deadline) — If you've missed the 12-month deadline, we prepare overpayment relief claims:
   • Overpayment calculation — We calculate the amount of tax overpaid based on missed expenses, errors, or unclaimed reliefs.
   • Written claim preparation — We prepare a written claim to HMRC including:
     • Exact tax year you want to correct.
     • Reason why you believe you've paid too much tax.
     • Calculation of the amount you've overpaid.
     • Your signature.
   • Supporting documentation — We gather supporting documentation (receipts, invoices, etc.) to support your claim.
   • Submission — We submit your overpayment relief claim to HMRC with all required information.
   Overpayment relief claims can recover overpaid tax even after the 12-month deadline.
6. Refund processing and payment planning — We help you process refunds:
   • Refund calculation — We calculate expected refunds based on amendments or overpayment relief claims.
   • Refund timing — We advise on expected refund timing (typically 4–6 weeks for amendments, longer for overpayment relief claims).
   • Payment details — We ensure HMRC has correct bank details for refunds.
   • Refund tracking — We help you track refunds and follow up with HMRC if needed.
   Refund processing ensures you receive money back quickly.
7. Ongoing support and future planning — We provide ongoing support:
   • Future tax planning — We advise on tax planning strategies for future tax years to avoid missing expenses or reliefs.
   • Record keeping — We provide guidance on better record keeping to make future tax returns easier and avoid missing expenses.
   • Regular reviews — We offer regular tax return reviews to catch opportunities early before year-end.
   Ongoing support helps prevent future overpayments.

We handle all aspects of post-year-end tax saving strategies, from initial review to final refund. The key is identifying what you've missed, using the right process (amendments or overpayment relief), and getting your money back.

Costs & timelines

Pricing factors:

• Complexity of review — Simple review (few missed expenses) vs. complex review (multiple missed expenses, errors, unclaimed reliefs) increases complexity and time required.
• Number of opportunities — More opportunities to claim expenses, correct errors, or claim reliefs increase work required.
• Amendment process — Online amendments (within 12-month deadline) vs. overpayment relief claims (past 12-month deadline) affect process complexity.
• Tax year and deadlines — Current tax year vs. older tax years affects deadlines and available options.

Commonly reported ranges by local providers:

• Simple post-year-end review (few missed expenses, within 12-month deadline): £200–£500 (includes tax return review, opportunity identification, amendment preparation and filing)
• Standard post-year-end review (multiple missed expenses, errors, within 12-month deadline): £350–£750 (includes comprehensive review, multiple amendments, refund processing)
• Complex post-year-end review (multiple missed expenses, errors, unclaimed reliefs, overpayment relief claim): £500–£1,200+ (includes comprehensive review, overpayment relief claim preparation, HMRC correspondence, refund processing)
• Ongoing tax return review service (annual): £300–£600 per year (regular reviews to catch opportunities early)

Why post-year-end tax saving strategies cost what they do:

• Specialist knowledge — Understanding amendment deadlines, overpayment relief rules, and identifying missed opportunities requires specialist tax knowledge.
• Time and complexity — Reviewing tax returns, identifying opportunities, preparing amendments or overpayment relief claims, and processing refunds takes time and attention to detail.
• Value provided — Post-year-end tax saving strategies can result in significant tax refunds or reduced tax bills, providing substantial value.
• HMRC compliance — Ensuring amendments and claims are made correctly and comply with HMRC requirements protects you from enquiries or rejections.

Timeline: Tax return review and opportunity identification typically takes 1–2 weeks. Amendment preparation and filing (within 12-month deadline) typically takes 1–2 weeks. Overpayment relief claim preparation (past 12-month deadline) typically takes 2–4 weeks. Refund processing typically takes 4–6 weeks for amendments, longer for overpayment relief claims.

Payment: Typically invoiced on completion of review and amendment/claim preparation, or in stages: review (on completion), amendment/claim preparation (on completion), refund processing (on completion). Payment terms are typically 14–30 days.

No hidden fees. Our price includes tax return review, opportunity identification, amendment preparation and filing (or overpayment relief claim preparation), refund processing support, and ongoing tax planning advice.

Kent (UK) focus

For individuals and businesses in Kent, whether you're in Medway and forgot some expenses, a business in Maidstone with errors in your return, or someone in Canterbury wanting to claim overpayment relief, post-year-end tax saving strategies help you recover overpaid tax and reduce your tax bill even after the tax year ends. Many Kent residents and businesses don't realise they can still save tax after 5 April, or they think it's too complicated to amend returns or claim overpayment relief. We help local people and businesses identify missed expenses and errors, prepare amendments or overpayment relief claims, process refunds, and plan for future tax years, ensuring they recover overpaid tax and avoid missing opportunities. It's worth getting it right—missing expenses or errors can result in significant overpayments, while post-year-end strategies can recover that money and reduce future tax bills.

Common Kent post-year-end scenarios:

• Missed expenses — Individuals or businesses who forgot to claim business expenses, capital allowances, or other deductions in their tax return.
• Calculation errors — Individuals or businesses with errors in income, expenses, or tax calculations that resulted in overpayment.
• Unclaimed reliefs — Individuals or businesses who missed claiming tax reliefs such as pension relief, charitable giving relief, or tax-efficient investments.
• Overpayment relief claims — Individuals or businesses who missed the 12-month amendment deadline but are within 4 years for overpayment relief claims.

Remote-first, Kent-focused. We don't need to meet in person (though we can if you prefer), and we understand what Kent residents and businesses are dealing with. Tax return review, amendment preparation, overpayment relief claims, refund processing—we'll handle your post-year-end tax saving strategy that recovers overpaid tax and reduces your bill.

FAQs