The SA302 form contains an official tax calculation from HM Revenue and Customs (HMRC) that proves how much you’ve earned based on your latest Self Assessment tax return.
In this article, we’ll dive into what’s on your SA302 tax calculation, why you may need proof of your self-employment income and how you can access a copy of your SA302 form.
What is an SA302 used for?
If you’re a self-employed sole trader or running a side hustle, an SA302 acts as proof of income, showing how much taxable income you’ve earned outside of PAYE (Pay As You Earn). This information can be used by a mortgage lender to decide whether you’re eligible for a mortgage application, or can purchase certain mortgage products.
It may also be required by a bank or other lender if you wish to apply for a business or personal loan, as they will want to ensure you are able to afford the monthly payments.
At GOV.UK, you can find a list of mortgage providers and lenders who accept printed summaries as proof of earnings, so you can check before you apply for a mortgage or business loan.
Tax year overview
While an SA302 form acts as a certificate for the total income you’ve declared in a given tax year, it also works in partnership with another document called the HMRC Tax Year Overview. The difference between your SA302 and your Tax Year Overview is that the latter is a statement of your tax bill for the tax year, the amount of tax you’ve paid and any tax payments that are outstanding. As well as your SA302 form, lenders will also ask to see your HMRC Tax Year Overview.
You can access your Tax Year Overview at GOV.UK by taking the following steps:
Log into your HMRC online tax account
Select Self Assessment (if you are only registered for Self Assessment, then you’ll automatically be directed to this screen)
Select Self Assessment Overview
Select View Account and Follow the link Tax Years
Select the year from the drop-down menu and click the Go button
Follow the link Print your Tax Year Overview
What information does SA302 contain?
On your SA302, you’ll find the details around your SA302 tax calculation, as well as more Self Assessment details, such as:
pay from any employment
profit from self-employment
profit from UK land and property
Dividends you’ve received from companies
Details of UK pension and benefits
Income Tax calculations
How can I access my SA302?
How you access your SA302 depends on your chosen way of filing your Self Assessment tax return. If you filed a paper tax return, you’ll automatically be sent your SA302 in the post.
If you filed your self assessment with Ember, then please reach out to us via Intercom in the bottom right hand corner of your Ember account and we will be able to send you a copy of the SA302.
Accessing your SA302 from HMRC’s online services
You can download or print your SA302 form as follows:
Log in to your HMRC online account using your Government Gateway account details
Go to Self Assessment
Click More Assessment Details
Download and print your SA302 from here
Top tip: if you require an SA302 for a different tax year, simply click Tax Return options in the menu, then select the relevant year.
Telephone support
If you opted to file a paper tax return, you’ll automatically be sent your SA302 form in the post. If you lose this document, you can contact HMRC on 0300 200 3310, who will ask for your National Insurance number, as well as your Unique Taxpayer Reference (UTR). You can find this reference quoted in a number of places, including:
Your SA250 or your Welcome to Self Assessment letter
Previous Self Assessment tax returns
Reminders of payment
Your notice to file a tax returnYour statement of account
HMRC app
If you have any further questions surrounding your SA302 please reach out to our team of expert accountants and we will be happy to assist!