if i only got paid £300 a month say 3600 pa how much would i get taxed or ni

[kittenbaby]

so basically how much would be taken off me and what would i actually get

no tax (unless you have any other income) and no NI either (think the minimum is £360 per month). You might want ot consider voluntary contributions though.
So you'd actually get £300 per month

My tax code is such that I can earn £5,400 pa before paying income tax.

So, as SV rightly says ... you'll get the lot!

The inland revenue website has a calculator to help work all that out. It's very handy.

You should deffo pay voluntary contributions though. It is only £2 per week (£26 a quarter) and if you miss more than a couple of payments you will loose out on benefits such as sick pay & pension entitlements and stuff. Even if it is not relevant now it may be in the future.

SV has it there! would think about volutary contributions as are useful for Incapacity benefit SSP SMP and all sorts!

if this is your only job, then you should not pay any tax on the first £5,225 that you earn (this is your free pay amount), am a little out of touch with the NI amounts but if you do have to pay NI I dont think it would be much.

This is a really useful link for working out net pay.

www.listentotaxman.com/

voluntry contributions ?
sorry im totally clueless when it comes to all this ,ive worked full time since i was 16
would i not ger ssp or smp if i dont make voluntry contributions ?
if i do go back to the same company i get full sick pay upto 39 weeks a yr so would that be effected ?
thanks for the help

The voluntary contributions we are talking about are National Insurance. Depending on how much you earn NI may be deducted anyway, but if you don't earn enough you should consider paying 'voluntary contributions' so you don't lose out on teh benefits that NI provide.

have alook at this

you'd be under the threshold for national insurance contributions (you pay once you start earning £100 per week) but you would also be under the lower earnings limit where you would be considered (by HMRC) having paid them even though you hadn't iyswim (which is £87 per week).

So you don't have to pay them. If you wanted to, you can opt to pay class 3 national insurance contributions which I THINK (but you should check) are around £7-8 per week. More than anything else, to protect your state pension (and I think they count towards any bereavement benefits).

so what happens if i dont return to work i wouldnt be paying ni then
so would that effect stat pension
id be suprised if i got a state pension tbh im 29 so i though state pensions would be a thing of the pass by th time im 60-65

thanks for all the reaplies

go to www.salarycalculator.co.uk it'll tell you what you'll have to pay in contributions if any.

kittenbaby - if you're married you can get your dh's contributions added to yours if you don't work.

don't bank on the sate penso not being aroud in 4 years: do you really think any governmet will have the nerve to take it away? in fact, judging by the las 20 years, it's a much safer bet thn any private pensio.

As long as you (not DH) are claiming Child Benefit you will be covered by HRP for your pension. Took me a long time to get my head round how it works but basically you need so many years worth of NI contributions to get a full state pension (was 39 but don't know what it is now). Any year covered by HRP is taken off that 39. So if you'd worked for 21 years and had 18 years claiming CHB you'd still be classed as being fully paid up.

(doesn't count towards other benefits though like JSA/ SMP/ SSP)