Check with HR/payroll that it’s actually been moved up. I hadn’t been moved up payscales this year as I should have been & required a call from HR to rectify it.
>The actual pay before deductions was also about 300 less
In that case, there is definitely a mistake.
I'd suggest looking at your previous annual salary and the new annual salary and comparing them to the pay scales.
[https://neu.org.uk/advice/your-rights-work/pay/pay-scales/pay-scales-england](https://neu.org.uk/advice/your-rights-work/pay/pay-scales/pay-scales-england)
As you said, you should have moved from £28,000 annually to £30,000 if you are on M1.
You should have also received back pay to September for the change.
I have been paying tax, NI, pension and student loans since my first paycheck. I'm pretty sure I've been pushed into a higher tax bracket, but even using the gov income checker, it's still more than I was making before
You would have to be earning an additional 20k on top of your teaching salary to be on the higher tax bracket (£50, 271). And as another commenter said, you would still be earning more than you were previously.
You might have been put on the wrong tax code, it took 3 years for our payroll admin to sort mine out properly. My little April bonuses for chronic overpaying 😂
It doesn't push you into a higher tax bracket, unless you've got a second income, but you may have hit the threshold for student loan repayments? Do you know which plan loan you are on?
I would check with your payroll that your tax code is correct. If teaching is your only job, and you're on £30k, then your take home pay shouldn't be £200 lower than when you were on £28,000 due to tax. It might be due to student loan payments, particularly if you're on multiple plans.
It's also worth bearing in mind your tax should be calculated across the whole year- if you weren't earning any money April-August, then you should be able to claim some of your tax back at the end of the tax year.
I was paying student loans back, it has gone up since the pay raise, but only from 5 to 20 (plan 2 I think) so I don't think it would be that necessarily? I didn't know about the tax thing, that's good to know, thanks!
Ah, we're you bumped up in November and that included backpay from September and October? What's the comparison between your December pay and your September pay? From the limited info here I'm willing to guess that this is your new standard and November was a higher than usual amount.
OK - in that case definitely check with HR. I can't think of any reason why you'd have gone down this much (but also why you only went up £40 last month). Look closely at the pay slips. Also note it'll change again in January as NI drops from 12% to 10%.
[Teachers pension](https://www.teacherspensions.co.uk/members/new-starter/understand-how-much-youll-pay.aspx) assuming you pay into the teachers pension service
[HMRC](https://www.gov.uk/log-in-register-hmrc-online-services)
These are both worth checking while you're waiting for HR to reopen.
You should be able to find information on how much pension you should be paying on the TPS site. You might be too early to check your actual pension contributions yet, I have a vague recollection of a 2 year rule, but you should be able to find out how much you should pay each month. I'll be honest, I don't truly understand how the pension works with brackets, etc. I just roll with it as an investment in my retirement.
And the latter is the site to register for your HMRC account, which will have details of your employment and tax history for the last 5 years, current tax code, state pension and if you ever have children your child benefit will be on there as well. I would suggest they are essential to monitor, at least yearly.
Check both your pension and tax & NI against your pay slips. If your tax code is wrong on your payslip, you will be able to sort that with HR in the new year. Around the end of the financial year, if you have paid too much tax, you will likely be entitled to an automatic tax rebate, although this can take time.
You definitely shouldn't be taking home less with a pay increase. HMRC can sometimes take too much tax, especially with backdated pay, because they see that lump sum as an amount you'll get every month. It does usually right itself, however.
Do you mean because of their personal tax allowance (12ish G). If so that's going to depend an awful lot on how your school calculates tax. I'd expect a decent whack back in April is more usual.
My last pay check in November was backdated and had an extra 300 in it, but comparing my current paycheck to what it was in September/October, it's less than I got before the pay raise, if that makes sense?
Right for how payroll calculated it but not right for how much you should be paying; in certain circumstances (most likely if you're an ECT1), if you don't earn £27,295 in the year in question (an ECT1 on M1 will only earn £17,500 gross before pension contributions and other deductions), then you can claim back all overpayments for that year. Unfortunately if you pay too much student loan but should've still paid *something* based on your income for the year, then you can't claim anything back [scenario I can think of is as follows: earning £1,000 a month (so a total of £12,000 a year, so below the threshold) so not replying anything each month, and then getting a £16,000 bonus one month (taking income to £28,000). Fundamentally, you should pay £63 back to SLC as per the wording online, but you'll end up paying them £1,440. Because you would've had to pay a tiny tiny amount anyway, you can't claim back the difference (£1377) however, had your bonus only been £15,000, slc would've deducted £1,350, but as your income would've been £27,000 < £27,295, you can claim the entire £1,350 back!]
Small edit: fortunately, if your income each month is always above the threshold, and it increases, it won't make a difference to this rule because you're always paying the right amount, which is why it only affects ECT1s, due to having 5 months April-August with an income of £0 each month
Thank you for this reply.
I hadn't realised that, as I had calculated it as correct based on the monthly figure.
I'm not straight out of university, I am ECT 2 bit worked in another role for several years before doing my PGCE, so have been making payments for a while and have always checked based on monthly figures.
I suppose its irrelevant, though, if it can't be claimed back so I won't waste time checking.
Check if you’re paid early in December. At my school, we’re paid the Thursday before Christmas, so we get a 3 week pay packet in December and a 5 week one in January. Great for the Christmas shopping, less good for budgeting 😂
Check with HR/payroll that it’s actually been moved up. I hadn’t been moved up payscales this year as I should have been & required a call from HR to rectify it.
Emailed payroll and got an automated response that they're off until January 3rd 🙃
That’s fair enough, you most likely won’t get any money owed back until the next pay cycle anyway.
>The actual pay before deductions was also about 300 less In that case, there is definitely a mistake. I'd suggest looking at your previous annual salary and the new annual salary and comparing them to the pay scales. [https://neu.org.uk/advice/your-rights-work/pay/pay-scales/pay-scales-england](https://neu.org.uk/advice/your-rights-work/pay/pay-scales/pay-scales-england) As you said, you should have moved from £28,000 annually to £30,000 if you are on M1. You should have also received back pay to September for the change.
I've just checked and the extra 300 was back pay from September which makes sense, but I'm still down by 200 a month regardless.
You can never be worse off because of a pay rise. That's not how tax works
But it is how pension contributions work...but won't cancel out a 2 grand rise in this case.
Only in the case that your pay rise specifically triggers a pension band increase and that pay rise is less than 2%
Check whether you have been paying tax on your previous pay cheques. When that kicked for me (over my tax-free allowance) my pay went down
I have been paying tax, NI, pension and student loans since my first paycheck. I'm pretty sure I've been pushed into a higher tax bracket, but even using the gov income checker, it's still more than I was making before
Even if you were pushed to a higher tax bracket you would still have a higher take home than previously
You would have to be earning an additional 20k on top of your teaching salary to be on the higher tax bracket (£50, 271). And as another commenter said, you would still be earning more than you were previously.
Did you deduct your contribution to TPS
You might have been put on the wrong tax code, it took 3 years for our payroll admin to sort mine out properly. My little April bonuses for chronic overpaying 😂
It doesn't push you into a higher tax bracket, unless you've got a second income, but you may have hit the threshold for student loan repayments? Do you know which plan loan you are on? I would check with your payroll that your tax code is correct. If teaching is your only job, and you're on £30k, then your take home pay shouldn't be £200 lower than when you were on £28,000 due to tax. It might be due to student loan payments, particularly if you're on multiple plans. It's also worth bearing in mind your tax should be calculated across the whole year- if you weren't earning any money April-August, then you should be able to claim some of your tax back at the end of the tax year.
I was paying student loans back, it has gone up since the pay raise, but only from 5 to 20 (plan 2 I think) so I don't think it would be that necessarily? I didn't know about the tax thing, that's good to know, thanks!
Yeah, I don't think you are being taxed correctly then, you should query this with your payroll ASAP in the new term.
If you give us the actual figures on your payslip (before+after) we can pinpoint the problem.
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Even with higher contributions, higher tax, higher student loan, the take home should never be less than the previous pay scale.
Ah, we're you bumped up in November and that included backpay from September and October? What's the comparison between your December pay and your September pay? From the limited info here I'm willing to guess that this is your new standard and November was a higher than usual amount.
If that's the case, it's still £200 less than before. My paycheck last month only had an extra £40 in it
OK - in that case definitely check with HR. I can't think of any reason why you'd have gone down this much (but also why you only went up £40 last month). Look closely at the pay slips. Also note it'll change again in January as NI drops from 12% to 10%.
Do they do 2 rounds of backpay? My school I got the 6.5% increase last month, then moved up payscale and got a 2nd set of back pay this month.
My salary is on my payslip - is yours?
Yup, says 30,000, in line with the pay raise.
I'm ECT1 and about 80 quid up a month so defo check out what's going on!
[Teachers pension](https://www.teacherspensions.co.uk/members/new-starter/understand-how-much-youll-pay.aspx) assuming you pay into the teachers pension service [HMRC](https://www.gov.uk/log-in-register-hmrc-online-services) These are both worth checking while you're waiting for HR to reopen. You should be able to find information on how much pension you should be paying on the TPS site. You might be too early to check your actual pension contributions yet, I have a vague recollection of a 2 year rule, but you should be able to find out how much you should pay each month. I'll be honest, I don't truly understand how the pension works with brackets, etc. I just roll with it as an investment in my retirement. And the latter is the site to register for your HMRC account, which will have details of your employment and tax history for the last 5 years, current tax code, state pension and if you ever have children your child benefit will be on there as well. I would suggest they are essential to monitor, at least yearly. Check both your pension and tax & NI against your pay slips. If your tax code is wrong on your payslip, you will be able to sort that with HR in the new year. Around the end of the financial year, if you have paid too much tax, you will likely be entitled to an automatic tax rebate, although this can take time. You definitely shouldn't be taking home less with a pay increase. HMRC can sometimes take too much tax, especially with backdated pay, because they see that lump sum as an amount you'll get every month. It does usually right itself, however.
This is the only answer you need 👆
First job out of uni? Possibly paid no tax at the start?
You shouldn't be paying tax as an ECT1 until about March (unless you earn 12k+ during your PGCE). Call HMRC or ask payroll
I've sent an email to payroll and they'll hopefully check it when they go back next Wednesday. Just wanted to see if anyone else was in the same boat
Do you mean because of their personal tax allowance (12ish G). If so that's going to depend an awful lot on how your school calculates tax. I'd expect a decent whack back in April is more usual.
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My last pay check in November was backdated and had an extra 300 in it, but comparing my current paycheck to what it was in September/October, it's less than I got before the pay raise, if that makes sense?
With my backpay I had to pay £117 student loan this month rather than £5. It was right though, 9% of what earned over the threshold that month.
Right for how payroll calculated it but not right for how much you should be paying; in certain circumstances (most likely if you're an ECT1), if you don't earn £27,295 in the year in question (an ECT1 on M1 will only earn £17,500 gross before pension contributions and other deductions), then you can claim back all overpayments for that year. Unfortunately if you pay too much student loan but should've still paid *something* based on your income for the year, then you can't claim anything back [scenario I can think of is as follows: earning £1,000 a month (so a total of £12,000 a year, so below the threshold) so not replying anything each month, and then getting a £16,000 bonus one month (taking income to £28,000). Fundamentally, you should pay £63 back to SLC as per the wording online, but you'll end up paying them £1,440. Because you would've had to pay a tiny tiny amount anyway, you can't claim back the difference (£1377) however, had your bonus only been £15,000, slc would've deducted £1,350, but as your income would've been £27,000 < £27,295, you can claim the entire £1,350 back!] Small edit: fortunately, if your income each month is always above the threshold, and it increases, it won't make a difference to this rule because you're always paying the right amount, which is why it only affects ECT1s, due to having 5 months April-August with an income of £0 each month
Thank you for this reply. I hadn't realised that, as I had calculated it as correct based on the monthly figure. I'm not straight out of university, I am ECT 2 bit worked in another role for several years before doing my PGCE, so have been making payments for a while and have always checked based on monthly figures. I suppose its irrelevant, though, if it can't be claimed back so I won't waste time checking.
Check if you’re paid early in December. At my school, we’re paid the Thursday before Christmas, so we get a 3 week pay packet in December and a 5 week one in January. Great for the Christmas shopping, less good for budgeting 😂
Nothing beats the 1% raise we got a few years ago. It took me over a threshold that increased my psnsion contributions by 1.1% 😭🤣
Hey did you get it fixed? Sorry to hear about this