Time to Pay Calculator

A rough monthly instalment for spreading HMRC arrears. This is not a Time to Pay offer — HMRC sets the actual terms.

Strata packages; it does not lend.

Your arrears

Use the figure HMRC has written, not a guess from a broker.

Total HMRC arrears (£)

Repayment period (months)

Up to 60 months for arrears under £250,000; 12 months at or above that.

Include an estimated HMRC late-payment interest rate

Indicative only. HMRC decides. A plan you cannot keep is worse than a smaller plan you can. Do not offer a number that only works if a new facility lands on Friday. Strata packages; it does not lend.

The sales page on this site is still home and HMRC Time to Pay. This calculator is the Learn version of the same idea.

Next step

Check where you stand — no obligation.

Strata packages files. It does not lend. The eligibility check is indicative, not a lending decision.

Check eligibility Enquire