New job - earning slightly more a year but taking home much less per month

**Juice**

I recently started a new job in the private sector after working in the NHS for the past four years. In my NHS role I earned £21,798 per annum and came away with about £1,381 a month after tax and pension contrbution (about £90 per month). In my new role, I earn £22,000 and take home £1,318 per month...and that's without making any pension contributions in the new job.

I can't see how earning £200 more a year leaves me £150 worse off per month? My tax code is still the same but I may have been on emergency tax for the first few weeks until my P45 came through. My hours are the same near enough, I worked 37.5 per week in NHS and 37 at my new job. On my payslip I'm earning about £100 more a month gross in the new role but having about an extra £80 taken in deductions.

I need to speak to our HR Manager about it just to clarify but she's off sick so just thought I'd ask for some ideas really! I started mid-January so perhaps I was overpaid in January and it's been clawed back in February? Or do you get taxed less working in the NHS? Is it something to do with my pension contributions? Should I wait for my March payslip before mentioning anything?

Obviously having less in my pocket every month is really worrying - especially when I wasn't expecting it - but I'm concerned that somewhere I've over or underpaid tax.:(

Emmzi

start here
http://www.taxcentral.co.uk/taxcentral/home/calculators/payslipcalculator/default.asp

Sambucus_Nigra

What are the changes in deductions? Are they all in the tax line?

**Juice**

Hmmm I seem to be paying over £100 more in tax last month than I should have. :eek: National insurance was right though.

When I've calculated based on my old NHS wage slips, the tax pretty much matches what the calculator says.

Sambucus_Nigra

What is the tax code on your latest payslip?

**Juice**

Sambucus_Nigra wrote: »

What are the changes in deductions? Are they all in the tax line?

The increase is in both the tax/PAYE section and NI section as follows (might want to disregard the pension deduction below as not sure how relevant that is):

NHS - gross earnings per month £1725.67, PAYE £220.40, NI £123.75, Pension £90.83

New job - gross earnings £1833.33, Tax £366.80, NI £147.76

My boyfriend always used to say my NHS payslips looked like I paid a fairly low amount of tax...it wasn't ever anything I thought of or took particularly seriously until now.

**Juice**

Sambucus_Nigra wrote: »

What is the tax code on your latest payslip?

747L - same as NHS.

chrisbur

First thought is that your salary of 22000 should give (assuming standard tax and NI) a net of about 1443 you say you got 1318 which is about 125 lower. This is the amount you would pay extra on a month if you got no tax allowance. This suggests that you may be looking at a month when a tax adjustment has been made for an allowance that was given during the changeover that you were not really entitled to, this often happens when someone changes jobs and there is some delay in recieving their final payment from thier old job. There is then an overlap when for one month you are given a tax allowance in your old job and your new job gives you an allowance as well on emergency tax.

To check can you give your P45 details gross tax code and month number from part 1A that hoprfully you kept, and then the same details gross tax code and month number from each payslip you have had so far in your new job.

withabix

Did you submit your P45 in time to beat the payroll cut-off date?

What does the tax code line say on your payslip?

**Juice**

Let me go and root out my P45! It was submitted in time for February's pay but not for the last half of January that I worked.

nearlyrich

Are you on a standard tax code? How about any benefits in kind (car, health care etc?) check that the company are using the same code that HMRC have issued to you, I got a pay rise last year and ended up worse off till it all got sorted through. As I have a role with bonuses it is a little difficult to know until the end of the year if the tax has been paid correctly but by April you will know what you have earned in both jobs for the whole year and you should be able to work out how much tax you should have paid and if they owe you a refund they will send you a cheque.