Speeding fine calculator (England and Wales)
This speeding fine calculator estimates what a magistrates’ court in England and Wales would fine you for speeding. Enter the speed limit, your recorded speed and your weekly take-home pay: you see the sentencing band, the fine with the one-third discount for an early guilty plea, the victim surcharge and the penalty points or ban.
Example: Speed limit: 30 mph · Recorded speed 35 mph · Income: I earn – enter weekly take-home pay · Weekly take-home pay 500 £ · Plea: guilty at the first opportunity (one-third off) → Fine and surcharge: £234.00. Source: Road Traffic Regulation Act 1984, s.89(1), Sentencing Council – Magistrates’ Court Sentencing Guidelines: Speeding (Revised 2017), bands A–C, points and fines (read 09.10.2026). Updated: .
How it is calculated
Doing 35 mph in a 30 zone is a Band A offence: in court the fine starts at 50% of your weekly take-home pay. With £500 a week and an early guilty plea you pay £167 plus a £67 victim surcharge – £234 – and get 3 points. If the police offer a fixed penalty instead, it is £100 and 3 points.
Speeding bands in England and Wales
| Speed limit | Band A | Band B | Band C |
|---|---|---|---|
| 20 mph | 21–30 mph | 31–40 mph | 41 mph and above |
| 30 mph | 31–40 mph | 41–50 mph | 51 mph and above |
| 40 mph | 41–55 mph | 56–65 mph | 66 mph and above |
| 50 mph | 51–65 mph | 66–75 mph | 76 mph and above |
| 60 mph | 61–80 mph | 81–90 mph | 91 mph and above |
| 70 mph | 71–90 mph | 91–100 mph | 101 mph and above |
| Band | Fine (starting point) | Range | Points or ban |
|---|---|---|---|
| A | 50% of weekly income | 25–75% | 3 points |
| B | 100% of weekly income | 75–125% | 4–6 points or 7–28 day ban |
| C | 150% of weekly income | 125–175% | 6 points or 7–56 day ban |
How the calculator works
- Band: from the speed limit and your recorded speed (Sentencing Council guideline).
- Relevant weekly income: your income after tax and National Insurance. If you are on benefits or take home £120 a week or less, the court uses £120; with no information it assumes £440.
- Fine: 50%, 100% or 150% of that income, at most £1,000 – or £2,500 on a motorway.
- Guilty plea: one-third off if you plead guilty at the first opportunity.
- Victim surcharge: 40% of the fine, rounded to the nearest pound, at most £2,000.
Examples
- 35 in a 30, £500 a week, early guilty plea: Band A, £250 − £83 = £167 fine + £67 surcharge = £234, 3 points. Without the plea discount: £250 + £100 = £350.
- 45 in a 30, £500 a week, early plea: Band B, £500 − £167 = £333 + £133 = £466.
- 105 in a 70 on a motorway, £800 a week, early plea: Band C, £1,200 − £400 = £800 + £320 = £1,120.
- Same on a 70 mph dual carriageway, no discount: £1,200 is capped at £1,000, plus £400 = £1,400.
- 52 in a 30, no income information, early plea: Band C from £440, £660 − £220 = £440 + £176 = £616.
- 28 in a 20, on benefits, early plea: Band A from £120, £60 − £20 = £40 + £16 = £56.
Speed and distance matter: see the stopping distance calculator. Your weekly take-home pay comes from the UK take-home pay calculator.
Limits
The calculator uses the starting point of each band. The court can move within the range for aggravating factors (for example poor weather, heavy traffic or near a school) or mitigating ones, and adds prosecution costs. New drivers lose their licence with 6 or more points within 2 years of passing the test; anyone reaching 12 points within 3 years is normally disqualified for at least 6 months. The guideline applies to England and Wales; Scotland and Northern Ireland differ. This is an estimate, not legal advice.
Frequently asked questions
How much is a speeding fine in the UK?
A fixed penalty is £100 and 3 points. In court the fine is 50%, 100% or 150% of your weekly take-home pay depending on the band, at most £1,000 or £2,500 on a motorway, plus a 40% victim surcharge and costs.
What is a Band A speeding offence?
Up to 10 mph over a 20 or 30 limit, up to 15 mph over a 40 or 50 limit and up to 20 mph over a 60 or 70 limit. The fine starts at 50% of weekly income and you get 3 points.
What happens at 45 in a 30?
That is Band B: the fine starts at 100% of your weekly income, and the court gives 4 to 6 points or a 7 to 28 day ban. With £500 a week and an early guilty plea you pay £333 plus £133 surcharge.
How much is the victim surcharge?
For offences since 16 June 2022 it is 40% of the fine, rounded to the nearest pound, up to £2,000.
What income does the court use?
Your weekly income after tax and National Insurance. If you are on benefits or take home £120 a week or less, the court uses £120. If you give no information, it assumes £440.
Does pleading guilty reduce the fine?
Yes. Pleading guilty at the first opportunity reduces the fine by one-third. The victim surcharge is then 40% of the reduced fine.
Sources and legal basis
- Road Traffic Regulation Act 1984, s.89(1): Sentencing Council – Magistrates’ Court Sentencing Guidelines: Speeding (Revised 2017), bands A–C, points and fines (read 09.10.2026)
- Sentencing Council – Approach to fines: relevant weekly income, £120 for low income or benefits, £440 when no information (read 09.10.2026)
- Sentencing Council – Other financial orders: victim surcharge 40% of the fine, maximum £2,000, offences from 16 June 2022 (read 09.10.2026)
- Sentencing Council – Reduction in sentence for a guilty plea: one-third at the first stage (read 09.10.2026)
- Sentencing Council – Fine calculator: Level 3 fine £1,000, Level 4 fine £2,500 (read 09.10.2026)
- GOV.UK – Speeding penalties: minimum penalty £100 and 3 points, maximum £1,000 or £2,500 on a motorway (read 09.10.2026)
As of: · Editorial policy
Related tools
- Stopping distance calculatorCalculate thinking, braking and total stopping distance in mph or km/h from reaction time and road conditions (dry, wet, snow, ice) – with the physics formula.
- UK take-home pay calculator 2026/27Work out your UK take-home pay for 2026/27: income tax (incl. Scotland), National Insurance, student loan and pension, checked against HMRC’s own calculator.
- kg to lbs converterConvert kg to lbs and back: 1 kg = 2.2046 lb. Shows pounds and ounces, stone and pounds, grams, tons and a kg to lbs chart – exact to the legal definition.
- Inches to feet and feet to inches converterInches to feet: divide by 12, so 72 in = 6 ft. Type inches for decimal feet and feet-and-inches (80 in = 6 ft 8 in), or go back to inches, with a chart.
- Speeding ticket calculator Ontario (set fines 2026)Speeding ticket calculator Ontario: set fine per km/h over, victim fine surcharge, $5 costs, demerit points and stunt driving – incl. community safety zones.
- Heat pump vs gas furnace calculator: when does it pay off?Heat pump vs gas furnace calculator: compare running costs, total cash outlay and the payback year of a heat pump using your own numbers, with a chart. Free.
- Plaster calculator for walls and renderPlaster calculator: how many kg and bags of plaster or render you need for a wall – from area, thickness and the coverage stated on the data sheet.
- Cubic feet to cubic yards converterCubic feet to cubic yards: divide by 27, so 100 ft³ = 3.7037 yd³. Convert ft³ to yd³ or back for concrete, soil, mulch and gravel, with cubic meters.
- Crosswind calculator: crosswind, headwind and tailwind for any runwayCrosswind calculator for pilots: crosswind and headwind or tailwind component from runway number, wind direction and speed, with gusts and your max crosswind.