Payslip Checker for Swansea on Tax Code D1

Swansea is a mid-sized urban economy of around 250k residents in South Wales. Median full-time gross pay for the area sits near £28,400 per year (ONS ASHE 2024), and most local employees see their PAYE deducted before they ever check the breakdown. This page focuses specifically on what tax code D1 should look like on a Swansea payslip. Because D1 is a stable PAYE code, the monthly figures should be broadly consistent across the tax year. Welsh residents normally see a C-prefixed code; D1 does not carry that prefix, so check whether HMRC has the right address for you.

What does D1 mean for Swansea workers?

D1 applies a flat 45% to every pound under this employment. In Swansea, this is most often a second-job code — for example NHS bank shifts at a local trust on top of a substantive role. Swansea employers occasionally drop the C prefix during payroll-system migrations, especially after staff move from England.

D1 is a flat 45% code applied to a second source of income for individuals whose main employment already uses both the basic-rate and higher-rate bands. Most common on supplementary directorships or pensions.

Effective tax + NI rate on this salary: 49.5%. Estimates based on ONS ASHE median earnings 2024 — your actual pay may differ.

Local context for Swansea

Welsh residents are charged the Welsh Rate of Income Tax. Although the rates are currently aligned with rest-of-UK rates for 2026/27, the C prefix is still required for HMRC to allocate revenue correctly. Swansea employees who recently moved from England should confirm HMRC has updated the address — otherwise the C prefix can drop off the next payslip. The Welsh-language HMRC helpline operates from Cardiff and Porthmadog.

Common payroll questions in Swansea

Should my Swansea payslip show tax code D1?

D1 should appear if your circumstances match what HMRC expects for this code (all income taxed at the additional rate of 45%.). On a typical Swansea salary of £28,400 you would expect roughly £1,065 of income tax per month under this code.

Why does my Swansea payslip differ from a colleague's on the same code?

Two Swansea colleagues on tax code D1 can still see different deductions because pension contributions, salary sacrifice, student loan plan, taxable benefits and overtime all sit alongside the tax code. The code only governs the income-tax line. Match the code first, then check pension and NI category, then the variable lines.

Does the Welsh Rate of Income Tax change my Swansea take-home on D1?

For 2026/27 the Welsh rates align with rest-of-UK rates, so the take-home is materially the same. The C prefix is still required so HMRC can allocate revenue to Wales — not because it changes your tax bill.

What should I do if D1 looks wrong on my Swansea payslip?

Start with your most recent payslip and your latest HMRC P2 coding notice. If the code on your payslip does not match the code on the P2, the employer is the right first call. If they match but the figure looks wrong, contact HMRC on 0300 200 3300 — your tax code is set by HMRC, not by your Swansea employer. You can also upload your payslip to PayslipIQ for a free instant breakdown.