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

**Juice**

chrisbur wrote: »

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.

(NHS) P45 Tax Code at leaving date - 747L, Month Number 10
New Job - 747L MI Month 10
new Job - 747L Month 11

**Juice**

nearlyrich wrote: »

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.

Well, there is eligibility for a pension scheme after 3 months (not been there 3 months yet) and private healthcare after 12 months but obviously I'm not eligible for either so can't see that they'd be taking it out of my salary...or would they?

getmore4less

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

£1833.33 * 0.2 = £366.67

They are taxing all the pay at 20%

**Juice**

getmore4less wrote: »

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

£1833.33 * 0.2 = £366.67

They are taxing all the pay at 20%

Sorry to be dense, but is that wrong then?

chrisbur

**Juice** wrote: »

(NHS) P45 Tax Code at leaving date - 747L, Month Number 10
New Job - 747L MI Month 10
new Job - 747L Month 11

As I said earlier you have had an overlap of payments. Your old job paid you up to month 10 and your new job gave you the emergency tax code allowance for month 10. When your P45 was applied for month 11 you had allready had 11 months tax free allowance so none was left to set against you salary for month 11. Your tax for month 12 will be taxed as normal now and you will pay about £125 less tax than you did for the month 11 salary.

At the end of the tax year if you look at all your payslips you will see that you have thirteen but your tax allowance for the year is split into 12 so one of these payments has to be without a tax allowance, this was the payment for month 11.

Emmzi

**Juice** wrote: »

Sorry to be dense, but is that wrong then?

It suggests you are not getting your monthly tax free allowance before deduction of tax.

**Juice**

chrisbur wrote: »

As I said earlier you have had an overlap of payments. Your old job paid you up to month 10 and your new job gave you the emergency tax code allowance for month 10. When your P45 was applied for month 11 you had allready had 11 months tax free allowance so none was left to set against you salary for month 11. Your tax for month 12 will be taxed as normal now and you will pay about £125 less tax than you did for the month 11 salary.

At the end of the tax year if you look at all your payslips you will see that you have thirteen but your tax allowance for the year is split into 12 so one of these payments has to be without a tax allowance, this was the payment for month 11.

Right, so my March payslip should show the correct amount? I'll hang fire before mentioning it until I check that one then!

Thanks so much for your help everyone, you've put my mind at ease that I don't have to go out and get a second job or start selling even more of my stuff on Ebay!

getmore4less

What are the benifits of this move?
Obviously not pay, giving up an NHS pension there must be something else?

**Juice**

getmore4less wrote: »

What are the benifits of this move?
Obviously not pay, giving up an NHS pension there must be something else?

It's been a total change of industry and role - much more prospects for the future as well. I never really felt like I "fitted in" in the NHS either, the whole way of working just frustrated the hell out of me!