--- title: How to check your SA302 description: An SA302 is your official tax calculation document from HMRC. It shows how much tax and National Insurance you owe (or are due as a refund) based on your Self Assessment tax return for a specific tax year. SA302 documents… url: "https://malgrabooks.co.uk/docs/how-to-check-your-sa302/" updated: "2026-02-18" --- # How to check your SA302 An SA302 is your official tax calculation document from HMRC. It shows how much tax and National Insurance you owe (or are due as a refund) based on your Self Assessment tax return for a specific tax year. SA302 documents are commonly requested by mortgage lenders, loan providers, and landlords as proof of your income and tax affairs. ## What Information Is on an SA302? Your SA302 tax calculation shows: - All sources of income (employment, self-employment, benefits, etc.) - Your personal allowance and any other allowances - Taxable income after deductions - Income tax and National Insurance contributions calculated - Any tax already paid - The final amount you owe or are due as a refund ## How to Access Your SA302 You can view and download your SA302 documents from your HMRC Personal Tax Account. Follow these steps: ### Step 1: Log In to Your Personal Tax Account Go to [https://www.tax.service.gov.uk](https://www.tax.service.gov.uk) and sign in using your Government Gateway user ID and password. ![HMRC Login Screen](https://malgrabooks.co.uk/wp-content/uploads/2019/01/login-1.png) If you don't have a Government Gateway account, you'll need to create one. You'll need your National Insurance number and information from a recent payslip, P60, passport, or credit reference file. ### Step 2: Select Self Assessment Once logged in, look for the **Self Assessment** section on your account home page and select it. ![Self Assessment menu option](https://malgrabooks.co.uk/wp-content/uploads/2020/05/Screenshot-2020-05-11-at-17.13.15-1-300x293.png) ### Step 3: Get Your SA302 Tax Calculation Scroll down the Self Assessment page and look for the option **"Get your SA302 tax calculation"** or **"View your tax year overview"**. ![Get SA302 option](https://malgrabooks.co.uk/wp-content/uploads/2020/05/Screenshot-2020-05-11-at-17.16.14-1-300x249.png) ### Step 4: Select the Tax Year Choose which tax year you need the SA302 for. You can access calculations for any tax year where you've submitted a Self Assessment return. ### Step 5: View and Download Your SA302 tax calculation will be displayed on screen. You can: - **Print** the document directly - **Save as PDF** using your browser's print function (select "Save as PDF" as the destination) - **View on screen** for reference ![SA302 tax calculation example](https://malgrabooks.co.uk/wp-content/uploads/2020/05/Screenshot-2020-05-11-at-17.20.09-1-1024x675.png) ## Understanding Your SA302 In the example above, the individual has three main income sources: - **Employment:** £10,000 - **State benefits:** £1,000 - **Self-employment profit:** £5,000 - **Total income:** £16,000 After deducting the personal allowance (£11,850 in this example), the taxable income is £4,150. The SA302 then shows the income tax and National Insurance due on this amount. **Note:** The personal allowance changes each tax year. For 2024/25, the personal allowance is £12,570 (for most people). ## Do You Need a Tax Year Overview Too? Some mortgage lenders and financial institutions request both: - **SA302:** Your tax calculation - **Tax Year Overview:** A summary of your account showing payments made and liabilities You can download your Tax Year Overview from the same area of your Personal Tax Account. Look for **"View your tax year overview"** or similar wording. ## When Do You Need Your SA302? You'll commonly need your SA302 for: - **Mortgage applications** - Lenders use it to verify your self-employed income - **Rental applications** - Landlords may request it as proof of income - **Loan applications** - Banks and finance companies verify your earnings - **Visa applications** - Some visa categories require proof of UK income - **Benefits applications** - Certain benefits require income verification - **Your own records** - Good to keep for future reference ## How Many Years Do Lenders Usually Need? Most mortgage lenders request SA302 documents for the most recent **2-3 tax years**. This helps them assess your income consistency. Make sure you have submitted your tax returns for all the years they're requesting before applying for a mortgage. ## Troubleshooting ### I Can't See My SA302 If you can't find your SA302, it could be because: - **You haven't submitted your tax return yet** - The SA302 is only generated after you submit your return - **HMRC is still processing your return** - It can take a few days after submission for the SA302 to appear - **You're logged into the wrong account** - Make sure you're using the correct Government Gateway ID - **Technical issues** - Try logging out and back in, or use a different browser ### The Figures Look Wrong If your SA302 shows figures that don't match what you expected: - Check you're viewing the correct tax year - Review your submitted tax return to see what was declared - If there's an error, you may need to [amend your tax return](https://tax.malgrabooks.co.uk/knowledge-base/amending-your-tax-return) - Contact HMRC if you believe there's a system error ### I Need SA302s for Years I Filed on Paper If you filed paper tax returns in previous years, your SA302 calculations may not be available online. You'll need to: - Call HMRC's Self Assessment helpline on 0300 200 3310 - Request copies of your SA302s for specific tax years - Allow up to 15 working days for postal delivery ## Important Notes - Your SA302 is an official HMRC document - don't alter or falsify it - Keep copies of your SA302s for your records - If you're self-employed, lenders typically want to see consistent or growing income - Make sure your tax returns are submitted on time to avoid delays in accessing SA302s - Some lenders may request additional documentation beyond the SA302 ## Need Help? If you're having difficulty accessing your SA302 or understanding your tax calculation: - Contact HMRC's Self Assessment helpline on 0300 200 3310 - [Contact MalgraBooks support](https://support.malgrabooks.co.uk/contact/) if you manage your account - Speak to your mortgage broker or lender about their specific requirements