UK Speeding Fine Calculator
Estimate your penalty points, court fines, and fixed penalty costs based on UK sentencing guidelines, income bands, and speed thresholds. Accurate for 2026 rules.
Speeding fine estimator — UK roads
How speeding fines are calculated in the UK (2026 update)
If you’re caught speeding, the penalty depends on the severity of the offence. The speeding fine calculator UK uses official banding (A, B, C) defined by the Sentencing Council. For court hearings, fines are based on a percentage of your relevant weekly income. Minor offences often receive a Fixed Penalty Notice (FPN) of £100 and 3 penalty points. More serious cases go to magistrates’ court where fines range from 25% up to 175% of weekly income, plus a victim surcharge (40% of the fine, minimum £34) and prosecution costs (£85–£150).
Our uk speeding fines calculator replicates the 2026 guideline bands and tells you if a fixed penalty is likely. Use the tool above to get an instant estimate based on your recorded speed and income.
Speeding fine bands (mph over limit)
| Band | Excess speed (mph above limit) | % of weekly income | Typical penalty points |
|---|---|---|---|
| Band A | 1 – 10 mph over | 25% – 75% | 3 points |
| Band B | 11 – 20 mph over | 75% – 125% | 4–6 points |
| Band C | 21+ mph over | 125% – 175% | 6 points or disqualification (7–56 days) |
Fixed penalty eligibility: For speeds up to around 10% + 9 mph over the limit (e.g., 78 mph in a 70 limit), police usually offer a fixed penalty (£100 + 3 points). However, speeds exceeding 96 mph often proceed directly to court. Always verify with the official notice.
2026 specific changes & income-based fines
From 2026, magistrates continue to use the relevant weekly income (RWI) approach. For employed drivers, it’s net weekly earnings; for self-employed, it’s calculated from HMRC data. The minimum fine for Band A is usually around 25% of RWI, and the maximum for Band C can reach 175% of RWI. Our speed fines uk calculator uses mid-range percentages to give realistic estimates: Band A = 50% RWI, Band B = 100% RWI, Band C = 150% RWI, plus surcharge and costs.
If you receive a conditional offer of fixed penalty, paying £100 and accepting 3 points avoids court costs and higher fines. However, if your speed falls into Band B or C, you might be summoned. Always seek legal advice for borderline cases.
Example fines: weekly income vs speeding band
| Weekly income | Band A fine (mid) | Band B fine (mid) | Band C fine (mid) |
|---|---|---|---|
| £400 | £200 | £400 | £600 |
| £600 | £300 | £600 | £900 |
| £800 | £400 | £800 | £1,200 |
| £1,200 | £600 | £1,200 | £1,800 |
Victim surcharge (2026): 40% of the fine value, minimum £34. Court costs typically add £85–£150. Penalty points remain on licence for 4 years (3 years for totting-up disqualification risk if 12+ points accumulate within 3 years).
Penalty points & totting-up – what drivers must know
- Band A offences: Usually 3 penalty points. Fixed penalty also adds 3 points.
- Band B (court): 4–6 points, plus a discretionary disqualification in some cases.
- Band C (court): 6 points or disqualification for 7–56 days (or longer for extreme speeds).
- New drivers (passed within 2 years): 6 points = licence revocation.
Our uk speed fine calculator shows points based on the band. Accurate 2026 guidance: Band A = 3 pts, Band B = 5 pts (average), Band C = 6 pts + possible disqualification.
Frequently asked questions (UK speeding fines)
They depend on the speed over limit, which determines the sentencing band (A, B, C). Magistrates set fines as a percentage of weekly income (25–175%) plus victim surcharge and costs. Fixed penalty offers are flat £100 + 3 points.
A fixed penalty is £100. Court fines average between £300 and £1,500 depending on weekly income and band. The maximum can exceed £2,500 for high earners in Band C.
Our calculator focuses on standard car/light vehicle penalties (Schedule 2 offences). HGV speeding fines follow different thresholds, but the band percentages remain similar. Contact a transport specialist.
Yes, unless you’re offered a speed awareness course (eligible for speeds just above the limit). Courses are available once every 3 years for lower-band offences. Otherwise, points apply.
Magistrates may set a fine based on a “deemed income” (e.g., £120 per week). The court will consider your financial circumstances. Our calculator uses your entered income, but minimum fine values may apply.
Yes, we apply 40% victim surcharge and typical prosecution costs (£90) for court-based results. Fixed penalty excludes surcharge.
If you accumulate 12 penalty points within 3 years, you face a minimum 6-month disqualification. For high speeds (Band C and 100+ mph), magistrates can disqualify immediately without totting-up.
Legal notice
This tool provides estimates only based on Sentencing Council guidelines and fixed penalty criteria. Actual fines, costs, and penalties are at the discretion of the police and courts. TotalCalcHub is not liable for any decisions made based on this information. For official guidance, visit gov.uk/speeding-penalties.