Why Doing Your Own Tax Return Could be Costing UK OnlyFans More Than They're Saving

As the founders of OnlyTax, we hear it all the time: “Why would I pay for tax support when I already have so many outgoings?" In this think-piece, we explain why professional tax filing isn’t an unnecessary cost—but one of the smartest ways to save money long term.

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OnlyTax

1/21/20262 min read

pink ceramic pig coin bank
pink ceramic pig coin bank

One of the most common things we hear at OnlyTax is this:

“I don’t want to spend money on tax help.”

And we get it. On the surface, paying for professional tax support can feel like an added expense—especially when filing your taxes yourself seems free.

But after working with thousands of clients, we can confidently say this:

trying to save money by avoiding professional tax support often costs far more in the long run.

When people handle their taxes alone, the focus is usually on one thing—getting it done. Not optimising. Not future planning. Not checking what could be reclaimed. Just ticking boxes and hoping it’s right.

What we see behind the scenes is very different. Missed allowances. Incorrect assumptions. Overpaid tax that quietly stays with HMRC because no one ever flagged it. These aren’t rare mistakes—they’re incredibly common. We hear about them time and time again.

We're here to tell you that professional support isn’t about complicating your tax return. It’s about making sure you’re not paying more than you legally should. Professional support saves money over time. At OnlyTax, we don’t just look at a single return and move on. We look at the bigger picture.

That’s where the savings happen. Professional tax support can help identify overpaid tax and help reclaim it (sometimes going back several years), ensure all eligible expenses and reliefs are correctly claimed, reduce the risk of HMRC penalties and put better structures in place so you pay less tax year after year.

Our value doesn’t stop on January 31st....it continues long after the return is filed.

We regularly hear from people who initially hesitated to pay for help, only to realise it was one of the best financial decisions they made.

One client recently told us:

“I wasn't sure if I needed help with my tax affairs. To be honest I always found other things that I wanted to spend my money on! However I've had a total rethink after contacting OnlyTax as even though we haven't worked together for long, they have already found things I didn’t even know applied to me—and the refund alone was more than the fee. I won’t ever go back to filing on my own.”

That outcome isn’t unusual. In fact, it’s exactly why we do what we do.

The biggest misconception about tax support is treating it as an expense rather than an investment. Filing your taxes cheaply might save you money today—but professional support can save you money every year going forward. The real question isn’t:

“Can I do this myself?”

It’s:

“Am I absolutely sure I’m not overpaying?”

Because when it comes to tax, what you don’t know can—and often does—cost you.

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