UK PAYE Payroll & RTI Guide: What Employers Must Report to HMRC

By ETaxFlow UK Tax Team • 24 September 2026 • 9 min read

If you employ anyone in the UK, you run PAYE (Pay As You Earn): you deduct income tax and National Insurance from wages and report every payment to HMRC through Real Time Information (RTI) on or before each payday.

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Check the current figures on GOV.UK

Rates, thresholds and deadlines below are correct at the time of writing. HMRC updates them regularly, so confirm the current figures on GOV.UK or with your accountant before you file or pay. This guide is general information, not tax advice.

Step 1: Register as an Employer

Register with HMRC as an employer before your first payday. You receive a PAYE reference and an Accounts Office reference, needed to report and pay. You also need payroll software that can submit RTI, and, for most employers, a workplace pension scheme.

What You Deduct from Each Payslip

As the employer you also pay employer National Insurance at 15% on earnings above the secondary threshold, less any Employment Allowance you can claim.

PAYE, NI and RTI on every payday

ETaxFlow calculates tax and NI, issues payslips and submits RTI to HMRC, then posts the payroll journal.

See PAYE payroll software →

Real Time Information (RTI)

RTI means HMRC receives your payroll data every time you pay staff, not once a year.

SubmissionWhat it reportsWhen
Full Payment Submission (FPS)Pay, tax, NI and other deductions for each employee paidOn or before each payday
Employer Payment Summary (EPS)Adjustments such as Employment Allowance claims or no-payment periodsBy the 19th of the following tax month
Final FPS / EPSConfirms the last submission of the tax yearBy 5 April

Paying HMRC

PAYE tax, National Insurance and other deductions are due to HMRC by the 22nd of the following tax month if you pay electronically (19th if by cheque). Employers whose average monthly bill is under £1,500 can pay quarterly. Use your Accounts Office reference so the payment is matched.

Workplace Pensions and Auto-Enrolment

You must automatically enrol eligible workers — generally those aged 22 up to State Pension age earning above £10,000 a year — into a qualifying pension. The statutory minimum total contribution is 8% of qualifying earnings, of which the employer pays at least 3%. Each pay run should track the employee and employer amounts.

Statutory Payments

Payroll also has to handle Statutory Sick Pay and statutory parental pay (maternity, paternity, adoption and shared parental). Most of these payments can be partly recovered by deducting them from what you owe HMRC.

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Late RTI carries penalties

HMRC charges monthly penalties for late or missing FPS submissions, scaled by the number of employees you have. Submitting on or before payday, every time, is the simplest way to avoid them.

Year-End Tasks

TaskDeadline
Final FPS or EPS for the tax year5 April
Give each employee a P6031 May
File P11D expenses and benefits returns6 July
Pay Class 1A National Insurance on benefits22 July (electronic payment)
Update tax codes and thresholds for the new yearBefore the first payday in April

Monthly Payroll Checklist

StepWhat happens
1. Confirm pay inputsHours, overtime, starters, leavers and changes reviewed
2. Calculate PAYE and NITax, NI, pension and statutory pay computed per employee
3. Submit the FPSSent to HMRC on or before payday
4. Pay employees and issue payslipsNet pay disbursed with digital payslips
5. Post the payroll journalSalary expense, PAYE/NI liability and net pay hit the ledger
6. Pay HMRCPAYE and NI paid by the 22nd

UK Payroll — FAQs

Real Time Information (RTI) is HMRC’s requirement that employers report PAYE payroll details, through a Full Payment Submission, on or before each payment date.

By the 22nd of the following tax month if paying electronically (19th by cheque). Employers with an average monthly bill under £1,500 can pay quarterly.

Yes. Register as an employer before your first payday to get your PAYE reference and Accounts Office reference.

Generally workers aged 22 up to State Pension age who earn above £10,000 a year. The minimum total contribution is 8% of qualifying earnings, with the employer paying at least 3%.

Yes. ETaxFlow calculates PAYE and National Insurance, issues payslips, tracks pensions and statutory pay, submits RTI to HMRC and posts each pay run to your general ledger.

Run Payroll Without Missing an RTI Deadline

PAYE, National Insurance, payslips and RTI, with the journal posted for you.

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