Millions of taxpayers are running out of time to submit their 2018-19 self-assessment tax return and avoid a fine.
Tax returns for declaring income earned in 2018-19 are due by midnight tonight (31 January 2020).
Anyone who's self-employed or earns an income from sources other than their main job - including property, a pension or savings interest - might have to file a return.
This year, an estimated 11.7 million people are in this position. But last week HMRC revealed that only 8.5 million taxpayers had completed a return, meaning more than three million could be cutting it fine.
Here, Which? provides some tips to help you file your tax return quickly and avoid paying a penalty.
One of the most time-consuming jobs when completing a tax return is making sure you have all the information you need to hand.
Of course, the best way to cut down the time on this task is to keep your records organised throughout the year. But it's not a lost cause even if you haven't quite managed that.
You might be able to quickly gather most of the information you need through your emails and other online sources such as your personal tax account.
Here's a checklist of the information you might need:
If the paperwork to confirm certain figures hasn't come through yet, you're unlikely to get it in time to file.
But rather than missing the deadline waiting for the documents to come through, you can estimate the figures and submit your return.
When you receive the correct information, you can then submit an amendment through the HMRC portal on your tax software.
The estimated numbers should be your best guess. HMRC can fine you if you provide information that is wildly different or you've deliberately misled it.
Try to find all your receipts before you sit down to do your return, but don't panic if you can't find them all.
If you've lost a receipt, you may still be able to claim if you have other evidence, such as bank or credit card statements, or the physical item and a record of where you bought it.
Some things can also be claimed at a flat rate - such as mileage costs, working from home, or living at your business premises - so you won't need receipts for every transaction.
Get your head around 2018-19 rates, thresholds, reliefs and allowances that apply to you, as these can dramatically change your tax bill.
The dividend allowance, for example, was cut from £5,000 in 2017-18 to £2,000 in 2018-19 - which means that your bill could be significantly higher even if you received the same amount.
Use our range of guides to brush up on the key rules:
As well as familiarising yourself with rates, allowances and thresholds, try to get up to speed with the latest guidance for particularly tricky aspects of a return.
It's not just your tax return that's due at midnight; you'll also need to settle your tax bill for 2018-19.
Some taxpayers will have paid most of it already and could be entitled to a refund.
But if your tax tots up to more than £1,000, you'll be asked to pay an instalment towards the 2019-20 bill on top of what you owe for 2018-19 - which is likely to be half of that year's total.
HMRC no longer accepts credit cards as payment, so this will limit your options if you haven't budgeted enough.
If you can't pay, contact HMRC as soon as possible. It might be able to offer you a plan to spread out repayments or offer a later deadline - although it's likely you'll have to pay interest.
You can submit your self-assessment tax return online through the HMRC tool, or through an online tax calculator.
The advantage of using a tax calculator is that you'll be given helpful jargon-free tips along the way and told what information to enter and how it affects your total bill.