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CIS refund · plumbers · Romford

Plumbers in Romford: that 20% isn't your tax bill

Typical refund£2,000–£3,000

Your contractor takes it off your labour before your van, your tools and the fittings you fronted are counted. Most plumbers have overpaid. Check yours in 60 seconds, free.

  1. 1Estimate
  2. 2Documents
  3. 3AI review
  4. 4Questions
  5. 5Form

Answer one question and we'll show you what your refund could be worth.

Your CIS refund estimate

What actually lands in your bank, after CIS comes off

Not a guarantee. You can also claim free at gov.uk.

What plumbers can claim

The everyday costs of being on the tools come off your taxable profit, and most of these get missed. That’s where your refund hides.

A worked example

Say you were paid £38,000 over the year as a plumber, with CIS deducted at the standard 20% and a typical plumber expense profile. Here’s roughly how it works out.

Paid before deductions
£38,000
Expenses (trade avg)
£9,500
Profit
£28,500
Tax-free allowance
−£12,570
Taxable income
£15,930
Tax + NIC due
£4,142
CIS deducted
£7,600
Estimated refund
£3,112–£3,804

Estimate: confirm before you file. Illustrative figures for a £38,000 year. Your real numbers will differ. Not a guarantee. You can also claim free at gov.uk.

CIS refunds in Romford

Romford sits on the Essex edge of London, so subbies based here take work in both directions — into the city one week, out into Essex the next. Two sets of travel, several contractors, and one tax return covering the lot.

London work carries the highest costs to go with it — congestion charges, parking, tools and travel all come out of your own pocket. The contractor still deducts 20% from your labour before any of that is counted.

Construction accounts for around 294,000 jobs in London — about 4.5% of all jobs in the capital.
If you've overpaid, there's a four-year time limit to claim it back — you can normally go back up to the last four tax years.

Other areas in London

Not a plumber?

Same calculator, same Romford: pick the trade that fits.

How it works

You stay in control the whole way: we do the digging and the paperwork, you file your own claim.

  1. 1

    Check your number

    Tell us what you usually get paid a month and see what you could be owed: free, in about a minute, no sign-up to see your estimate.

  2. 2

    Sign up free

    Like your number? Leave your details and we'll set you up. No card, no commitment. Checking your estimate is free, and you only pay if we prepare your return.

  3. 3

    Upload your statements

    Send us your bank statements and our AI will read every transaction to find the expenses you can claim. Both the AI review and a one-tap UK Open Banking connection are coming soon.

  4. 4

    Refund to your account

    You file your own claim and HMRC pays the refund straight into your account. We charge a fixed fee when we hand you the finished return, never a cut of your refund.

Questions, answered

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