{"id":1565,"date":"2019-12-09T13:25:05","date_gmt":"2019-12-09T13:25:05","guid":{"rendered":"https:\/\/www.smith-newmans.com\/?p=1565"},"modified":"2021-05-12T20:02:39","modified_gmt":"2021-05-12T19:02:39","slug":"paying-salaries-a-handy-guide","status":"publish","type":"post","link":"https:\/\/www.smith-newmans.com\/2019\/12\/09\/paying-salaries-a-handy-guide\/","title":{"rendered":"Paying Salaries &#8211; A Handy Guide"},"content":{"rendered":"<h2>Payroll and the Bottom Line<\/h2>\n<p>Whether you&#8217;re a sole trader responsible for payroll or you&#8217;re managing a small, medium or large business, making sure you&#8217;re up-to date with all the latest pay rates and regulations is critical.<\/p>\n<p>All workers in the UK of school-leaving age and over are entitled to minimum rates of pay, and these rates are dependent on their age and whether or not they&#8217;re an apprentice. The rates are a legal requirement, and failing to meet them could result in the employer being fined.<\/p>\n<p>The rates change every April, so it&#8217;s essential that you update your payroll each year to reflect these changes. From a business planning perspective, it&#8217;s also a good idea to keep your eye on the rates announced in the Budget so you can plan your payroll for the following financial year.<\/p>\n<h3><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-1486 alignleft\" src=\"https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/manager-man-checking-finance-working-1024x683.jpg\" alt=\"Accountant using calculator\" width=\"235\" height=\"157\" srcset=\"https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/manager-man-checking-finance-working-1024x683.jpg 1024w, https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/manager-man-checking-finance-working-300x200.jpg 300w, https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/manager-man-checking-finance-working-768x512.jpg 768w, https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/manager-man-checking-finance-working-100x67.jpg 100w, https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/manager-man-checking-finance-working-1184x789.jpg 1184w\" sizes=\"(max-width: 235px) 100vw, 235px\" \/>National Minimum or Living Wage?<\/h3>\n<p>For business owners new to taking on staff, one of the common questions is, &#8220;What is the difference between the National Minimum Wage and the National Living Wage?&#8221;<\/p>\n<p>The answer is surprisingly simple.<\/p>\n<p><a href=\"https:\/\/www.gov.uk\/national-minimum-wage-rates\">HMRC<\/a> states a worker must be at least:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.gov.uk\/know-when-you-can-leave-school\">school leaving age<\/a>\u00a0to get the National Minimum Wage<\/li>\n<li>aged 25 to get the National Living Wage &#8211; the minimum wage will still apply for workers aged 24 and under<\/li>\n<\/ul>\n<p>It is, however, slightly more complex if you are employing apprentices.<\/p>\n<p><a href=\"https:\/\/www.gov.uk\/apprenticeships-guide\">Apprentices<\/a>\u00a0are entitled to the <span style=\"text-decoration: underline;\">apprentice rate<\/span> if they\u2019re either:<\/p>\n<ul>\n<li>aged under 19<\/li>\n<li>aged 19 or over and in the first year of their apprenticeship<\/li>\n<\/ul>\n<p>However, apprentices are entitled to the <span style=\"text-decoration: underline;\">minimum wage<\/span> for their age if they are both:<\/p>\n<ul>\n<li>aged 19 or over AND<\/li>\n<li>have completed the first year of their apprenticeship<\/li>\n<\/ul>\n<h3>So what are the Minimum Rates of Pay?<\/h3>\n<p>The latest rates of pay for the National Minimum Wage and National Living Wage came into effect on 1st April 2019.<\/p>\n<p>Here&#8217;s a handy rate reference table showing the rates for 2019\/20 and how they compare to last year:<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-1474\" src=\"https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/NMW-1024x512.png\" alt=\"Minimum Wage Guide\" width=\"1024\" height=\"512\" srcset=\"https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/NMW.png 1024w, https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/NMW-300x150.png 300w, https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/NMW-768x384.png 768w, https:\/\/www.smith-newmans.com\/wp-content\/uploads\/2019\/07\/NMW-100x50.png 100w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3>Considerations with Payroll<\/h3>\n<p>As well as ensuring your business is paying your staff at the right rates, there are also a number of other areas to consider when working out salaries.<\/p>\n<p><span style=\"text-decoration: underline;\">National Insurance<\/span><\/p>\n<p>If your staff are earning more than the allowable levels, you will need to pay <a href=\"https:\/\/www.gov.uk\/national-insurance-rates-letters\">Employers National Insurance<\/a>, as well as deducting the appropriate employee contributions from their take-home pay. Employers also pay Class 1A and 1B National Insurance once a year on <a href=\"https:\/\/www.gov.uk\/employer-reporting-expenses-benefits\/\">expenses and benefits<\/a> they give to their employees. The rate for the tax year 2019\/20 is 13.8%.<\/p>\n<p><span style=\"text-decoration: underline;\">Auto-enrolment<\/span><\/p>\n<p>Staff pensions are also a consideration. <a href=\"https:\/\/www.pensionsadvisoryservice.org.uk\/about-pensions\/pensions-basics\/automatic-enrolment\/how-much-do-i-and-my-employer-have-to-pay\">Automatic enrolment<\/a> into a pension scheme was phased in from 2012 and applies to all businesses employing staff. If your staff are earning enough to hit the auto-enrolment threshold and meet the criteria, you will need to enrol them into an employer&#8217;s pension scheme. The minimum total contributions under <a href=\"https:\/\/www.pensionsadvisoryservice.org.uk\/about-pensions\/pensions-basics\/automatic-enrolment\">automatic enrolment<\/a> have been set down by the Government. Currently the employer&#8217;s contribution is 3%.<\/p>\n<p><span style=\"text-decoration: underline;\">Making Tax Digital<\/span><\/p>\n<p>The government introduced a new way to file and pay tax in April 2019. This currently only applies to VAT-registered businesses with a taxable turnover above the VAT threshold. These businesses are now required to use the Making Tax Digital service to keep records digitally and use software to submit their VAT Returns.<\/p>\n<p>However, the system will be slowly rolled out to all businesses, large and small. <a href=\"https:\/\/www.gov.uk\/guidance\/check-when-a-business-must-follow-the-rules-for-making-tax-digital-for-vat\">Making Tax Digital<\/a> will mean that you will need to keep digital records and use specific software to submit your records to HMRC.<\/p>\n<h3>Need Advice or Help with Payroll or Making Tax Digital?<\/h3>\n<p>If you&#8217;re new to payroll, have just taken on more staff or are not sure where to start with Making Tax Digital, Smith Newmans can help!<\/p>\n<p>Get in touch with our experienced team on 023 8060 2100 or send us an email at<a href=\"https:\/\/www.smith-newmans.com\/contact-us\/\"> www.smith-newmans.com\/contact-us.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Payroll and the Bottom Line Whether you&#8217;re a sole trader responsible for payroll or you&#8217;re managing a small, medium or large business, making sure you&#8217;re up-to date with all the latest pay rates and regulations is critical. All workers in the UK of school-leaving age and over are entitled to minimum rates of pay, and these rates are dependent on &#8230; <a href=\"https:\/\/www.smith-newmans.com\/2019\/12\/09\/paying-salaries-a-handy-guide\/\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":2,"featured_media":1485,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[13,3,4,7,8,10,11],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Paying Salaries - A Handy Guide - Smith Newmans<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.smith-newmans.com\/2019\/12\/09\/paying-salaries-a-handy-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paying Salaries - A Handy Guide - Smith Newmans\" \/>\n<meta property=\"og:description\" content=\"Payroll and the Bottom Line Whether you&#8217;re a sole trader responsible for payroll or you&#8217;re managing a small, medium or large business, making sure you&#8217;re up-to date with all the latest pay rates and regulations is critical. All workers in the UK of school-leaving age and over are entitled to minimum rates of pay, and these rates are dependent on ... 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