Under the UK scheme, for an ordinary employee (basically the kind of person the cheap and free editions of TurboTax are designed for), you're simply paying your

Under the UK scheme, for an ordinary employee (basically the kind of person the cheap and free editions of TurboTax are designed for), you're simply paying your tax as you go. It's not really a zero interest loan to the government; it's just paying off what you owe one paycheck at a time.