01
Employer or deanery
Check the full-cost route first
Some exams, travel, relocation and training costs may belong with an employer or training body before tax relief is considered.
In development
A money-recovery map for UK doctors
A clearer way to check what you could recover from work costs and PAYE.
One planned £49.99 Claim Map to organise multiple jobs, locum work, PAYE and tax codes, mileage, professional costs and reimbursements—then show what to take to HMRC, payroll, your employer or Self Assessment.
Planned safeguard: you would keep the £49.99 service only if the completed reviewed Claim Map estimates at least £100 of conservative net HMRC recovery. Below that, the fee would be refunded in full and a relevant free route signposted.
Nothing to pay today · No tax documents
Doctor Tax Check
£49.99 Claim Map · plannedWhat to check
Who may pay
Evidence and next step
Designed to explain the route—not to file a claim for you.
The central idea
One money problem can have several different routes.
The planned service keeps PAYE, tax relief, reimbursements and payroll discrepancies separate, so amounts are not accidentally counted twice.
02
PAYE and tax codes
Reconcile tax across every PAYE job
The planned check combines taxable pay and Income Tax deducted, reviews tax-code allocation and estimates whether the annual PAYE position is overpaid or underpaid.
03
HMRC expenses
Then check the unreimbursed balance
Eligible employment expenses can reduce the final Income Tax liability. That reduction is separate from both a PAYE overpayment and receiving the whole expense back.
04
Self Assessment
Separate self-employed locum work
The word “locum” does not decide the route. The planned intake separates PAYE shifts from sole-trader income and existing Self Assessment.
05
Payroll or specialist
Route pay errors and complex cases
A code applied differently from HMRC’s notice, missing shifts or wrong rates belong with payroll. Company income, foreign income and disputes move to specialist review.
Simple illustration
A £1,000 cost does not automatically mean a £1,000 refund.
Employer pays£600
40% tax effect on £400£160
Potential recovery£760
Fictional arithmetic only. It assumes the routes and the remaining expense later prove eligible. An actual result may be £0.
A neutral opportunity table
Start with the maths. Eligibility comes later.
Here we show what the Income Tax effect would be if a stated amount were later confirmed as eligible, personally paid, unreimbursed and within one tax band.
For this expense table, the lowest result is £0. It does not calculate a PAYE overpayment or underpayment. Employer reimbursement, prior claims and the exact tax year can all change the answer.
Illustrative Income Tax effect
England, Wales & Northern Ireland| If eligible spending were | 20% | 40% | 45% |
|---|---|---|---|
| £250 | £50 | £100 | £112.50 |
| £500 | £100 | £200 | £225 |
| £1,000 | £200 | £400 | £450 |
| £1,500 | £300 | £600 | £675 |
Spending × the illustrated tax rate. Actual relief depends on qualifying rules, the tax paid and how an expense sits across tax bands. Scottish Income Tax rates differ and are not shown in this table.
What the product is being built to clarify
Not just “what did you spend?”
These invented doctors show the connected questions the planned Claim Map is designed to bring together.
Synthetic caseSingle tax year
Dr Maya Patel · FY2
A completed-year PAYE example with £620 of personally paid professional costs, no employer reimbursement and a separate £180 estimated PAYE overpayment.
- Costs reviewed
- £620.00
- Already reimbursed
- £0.00
- PAYE overpayment before expenses
- £180.00
- Expense-related reduction at 20%
- £124.00
- Estimated net HMRC recovery
- £304.00
Overall potential recovery£304.00
£180 + (£620 × 20%) = £304. The PAYE figure assumes a complete annual reconciliation; the expense balance must still be confirmed eligible and unreimbursed.
Synthetic caseFive-year review
Dr Alex Morgan · CST2
Multiple PAYE rotations, business mileage, professional costs, previous reimbursements and employer-pending items.
- Already reimbursed
- £974.00
- HMRC eligible balance
- £3,710.36
- Estimated net HMRC recovery
- £1,342.73
- Employer/deanery potential
- £2,043.60
Overall potential recovery£3,386.33
£1,342.73 + £2,043.60 = £3,386.33. This combines five tax years; £1,177 of the employer amount remains subject to that process.
Synthetic case£0 outcome
Dr Priya Shah · PAYE
£860 of recorded costs, of which £560 was already reimbursed and £200 was ordinary commuting. A £20 expense-related reduction is offset by an estimated £20 PAYE underpayment.
- Costs reviewed
- £860.00
- Already reimbursed
- £560.00
- Excluded commuting
- £200.00
- Expense effect at 20%
- £20.00
- PAYE underpayment before expenses
- −£20.00
- Estimated net HMRC recovery
- £0.00
Overall potential recovery£0.00
(£860 − £560 − £200) × 20% = £20, which offsets the £20 estimated PAYE underpayment. No new employer/deanery amount is added.
Fictional worked examples chosen to illustrate different routes. They are not averages, personal estimates or guaranteed outcomes. Eligibility and actual recovery depend on the full facts and the decisions of the employer and HMRC.
Planned coverage
Built around doctors’ actual working patterns.
The intake is being designed to keep each engagement, tax year, journey and reimbursement separate—without rejecting someone merely because they also do locum work.
Multiple PAYE jobs
Substantive posts, NHS bank work and PAYE agency shifts recorded by employer and tax year.
PAYE and tax codes
Taxable pay and Income Tax deducted reconciled across jobs, with HMRC-issued codes compared with those shown on payslips.
Locum status
PAYE and self-employed engagements separated before any filing route is suggested.
Mileage and travel
Business journeys, ordinary commuting, employer rates and any mileage shortfall kept distinct.
Reimbursements
Paid, partly paid, pending and refused amounts recorded so the same cost is not counted twice.
Professional costs
Fees, subscriptions, examinations, training and uniform arrangements checked item by item.
Payroll discrepancy routing
Missing shifts, incorrect rates, absent enhancements and code-application errors flagged for employer payroll rather than counted as tax relief.
Safe escalation
Company income, foreign income, disputes and ambiguous work status marked for specialist review.
Why employer-first matters now
Some England exam costs have a new reimbursement route.
England’s accepted June 2026 resident-doctor deal provides employer reimbursement for the first two attempts at covered mandatory Royal College or faculty examinations sat from 1 April 2026. The covered list and local process still need to be checked.
Read the official deal termsWhy Doctor Tax Check?
One joined-up view, built around how doctors actually work.
Doctors’ finances can span rotations, bank work, locum shifts, changing tax codes, professional costs and reimbursements. The planned Claim Map is designed to organise those moving parts into one year-by-year action map.
One joined-up picture
PAYE overpayments, expense-related tax relief and employer reimbursements are organised together, while remaining clearly separated.
Built around changing jobs
Rotations, overlapping employers, bank work and PAYE locum roles are mapped to the relevant job and tax year.
A clearer net position
Known underpayments, previous claims, reimbursements and duplicate-claim risks are checked before a recovery estimate is shown.
A route for every issue
Each finding is assigned to HMRC, payroll, an employer or deanery, Self Assessment or specialist review.
No membership required
The planned service is intended for eligible UK doctors whether or not they belong to a professional body.
Fixed price, with a safeguard
The planned £49.99 fee is one-off, not a share of the result, and is refunded when reviewed conservative net HMRC recovery is below £100.
Straightforward cases
Simple does not mean sent elsewhere.
An in-scope case would remain suitable for Doctor Tax Check if the completed reviewed Claim Map estimates at least £100 of conservative net HMRC recovery—even if the case is straightforward.
Below £100, the planned £49.99 fee would be refunded and a relevant free route signposted. Cases outside the product’s safe scope may still require specialist help regardless of value.
You can check and claim directly with HMRC for free. Doctor Tax Check is a planned optional paid organisation and review service.
The proposed one-off service
A £49.99 Claim Map—not a percentage of your result.
The full version is in development. The user—not this service—would submit any claim.
£49.99planned founding priceone-off · no payment today
Planned safeguard: refund the £49.99 fee if the completed reviewed estimate of conservative net HMRC recovery is below £100. This combines PAYE overpayment and expense-related tax reduction after any estimated underpayment. A relevant free route would then be signposted.
Planned Claim Map contents
- 01Employment, locum and tax-year map
- 02PAYE liability, tax-code and overpayment check
- 03Item-by-item route, status and reason
- 04Mileage and reimbursement checks
- 05Conservative net HMRC recovery by tax year
- 06Evidence checklist, deadline and next step
- 07Exclusions, previous claims and double-claim warnings
Not included
Filing for you, contacting HMRC or an employer, receiving a refund, guaranteeing an outcome or handling Government Gateway credentials.
Early access research
Would this solve enough confusion to be worth £49.99?
We would appreciate your input as we prepare to launch. Your response can be submitted without a name or email; email permission is optional and separate.
We will not ask for:
- P60 figures or income
- Receipts or tax documents
- NI or Government Gateway details
- Your employer or hospital
Questions before joining
Plain answers, while the product is still being tested.
The public page is market research. It does not assess whether you qualify or produce a personal estimate.
Is this tax advice today?
No. The table uses transparent arithmetic and the examples are fictional. No answer on this page changes the numbers or determines eligibility.
Why not just use HMRC for free?
HMRC is the official free route and will remain clearly signposted. The proposed product is for doctors who want help organising multiple jobs, expenses, reimbursements, evidence and the correct route before they submit anything themselves.
What does Doctor Tax Check bring together?
The planned service combines PAYE across changing employers, tax-code questions, PAYE locum work, professional costs and employer reimbursements in one year-by-year action map. It then keeps the HMRC, payroll, employer and Self Assessment routes separate.
Would a straightforward case be sent elsewhere?
Not simply because it is straightforward. An in-scope case would remain suitable if the completed reviewed Claim Map estimates at least £100 of conservative net HMRC recovery. If the estimate is below £100, the £49.99 fee would be refunded and a relevant free route signposted. Out-of-scope cases may still need specialist help regardless of value.
Would PAYE locum work be supported?
Yes. Several PAYE employments are not a blanket exclusion. The intake would allocate expenses to the relevant job. Self-employed or company locum work would be separated and routed differently.
Would it check whether I paid too much Income Tax?
That is part of the planned service. It would combine annual taxable pay and Income Tax deducted across PAYE jobs, review tax-code allocation and compare tax paid with the estimated final liability. One heavily taxed payslip alone would not prove an overpayment.
Would it check missing shifts or incorrect pay?
The first version would flag likely payroll discrepancies and show whether to contact HMRC or employer payroll. It would not yet be a full contractual pay audit of rotas, work schedules, enhancements, pension or student-loan deductions.
What happens above £2,500 of expenses?
The £2,500 threshold applies to employment expenses in a tax year, not the refund. HMRC says expenses above this amount are claimed through Self Assessment rather than the ordinary P87 route. The product should route this safely, not reject the doctor.
Will the service submit a claim?
Not in the planned first version. It would prepare the map, evidence list and next steps. The doctor would review and submit personally and should never share a Government Gateway password.
When will the paid service open?
The full version is in development. Joining the list is not a purchase or commitment, and you can decide whether to use the service if and when it opens.