A&Y CIS Refund Estimator — UK Subcontractors

Instantly estimate your CIS tax refund. UK subcontractors: 20% deducted at source vs your real tax bill. By A&Y Financials.

CIS Tax Refund Estimator. Calculate your UK Construction Industry Scheme (CIS) rebate, allowable business expenses, and subcontractor tax refund instantly. Most construction subcontractors are owed thousands back from HMRC. This specialist browser utility from A&Y Financials estimates your annual CIS refund position in seconds, calculating your true business write-offs directly from your toolbar. ━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHAT IT DOES ━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Dual-Rate Toggle: Instantly switch between 20% (verified subcontractor) and 30% (unverified) CIS deduction rates. • Net Profit & Expense Parser: Input gross income, material costs, vehicle expenses, tool allowances, and other untaxed earnings. • Real-time Rebate Ledger: Instantly calculates your estimated tax refund—or any outstanding tax liabilities. • Complete HMRC Tax Breakdown: Displays a transparent breakdown of labor earnings, CIS tax deducted at source, taxable profit, Income Tax, and Class 4 National Insurance. • Precision HMRC Baseline Calibration: Personal allowance (£12,570), basic rate (£37,700), and Class 4 NI (6% up to £50,270, 2% above). ━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHO IT IS FOR ━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Self-employed builders, carpenters, plumbers, electricians, and tradespeople working under the UK Construction Industry Scheme (CIS). • Construction business owners weighing up self-assessment liabilities. ━━━━━━━━━━━━━━━━━━━━━━━━━━━ ABOUT A&Y FINANCIAL SERVICES ━━━━━━━━━━━━━━━━━━━━━━━━━━━ A&Y Financials is a premier UK accountancy firm helping construction subcontractors claim back maximum allowances. The average subcontractor refund is over £2,000. Let our team do the heavy lifting—click inside the tool to have A&Y prepare, optimize, and submit your CIS refund claim to HMRC with zero stress at ayfinancials.com/tools. ━━━━━━━━━━━━━━━━━━━━━━━━━━━ DISCLAIMER ━━━━━━━━━━━━━━━━━━━━━━━━━━━ This calculator provides estimates only based on standard rates. It does not replace professional advice or act as a submitted return. Consult a chartered accountant to file.