One speed. Two routes.
A fixed penalty is a flat £100 and three points. A court fine is a slice of your weekly take-home, banded by how far over the limit you were. Set the limit, drag the speed: the likely outcome appears first, the reasoning below it.
Guideline effective 24 April 2017, verified unchanged August 2026; fixed penalty £100; surcharge 40% capped at £2,000 since 16 June 2022.
These are the published starting points, not a prediction of any sentence. The bands are guidelines, not tramlines: magistrates weigh aggravating and mitigating factors, an early guilty plea takes up to a third off the fine, and where no reliable income is shown the court works from deemed figures.
More on the limits
Points carry their own arithmetic. Twelve within three years means a minimum six-month ban unless exceptional hardship is found; six within the first two years of a licence and it is revoked outright. Points count for totting for three years and sit on the record for four. Whether points or a short ban, and where inside the range the fine lands, is discretion, not arithmetic (Sentencing Council, speeding guideline).
→ The letter that starts it: the NIP · → The course that carries no code · → How court fines are banded · → SP30 on the record · → The surcharge on top: full tables · How we check our figures