Calculating annual income before tax for variabke income

AJ2020 · Post by **AJ2020** » Tue Apr 28, 2020 2:14 pm

Hiya

I am currently bank staff (zero hour contract) therefore my wage is different from one month to the other. As its variable income I will be applying under category B. So does this mean I have to send 12 months payslips or 6 months payslips. Due to the current pandemic (covid 19) my hours for previous month and this month have been reduced vastly. In conjuction with income I was also going to use cash savings for the shortfall. However, I am in a bit of a pickle if I use the aveerage of 12 months financial requirement is met, but if I use previous 6months average then financial requirement is not met. I am just getting mixed messages , some say 6 months and some say 12 months. I have read they want a minimum of 6 months wage slips. Any info or advice would be great. Thank you.

seagul · Post by **seagul** » Tue Apr 28, 2020 2:49 pm

How long have you been working for your current employer?
How much have you earned during the last 6 months?
How much have you earned during the last 12 months?
Is your partner in UK with valid leave and working?
Do you or your partner have 6 months old cash savings or receiving any income such as rental income etc?

AJ2020 · Post by **AJ2020** » Tue Apr 28, 2020 7:00 pm

Well, I can only apply from the beginning of August because my husband (abroad) has not done his english test. Hopefully he should have that for end of July. So, therefore 6 months payslips before application date (Feb 2020 -July 2020) works out to be in total for 6 months £5000 (average per month is £8
33 and for 12 months in total £11600. I have the saving for the later shortfall. And by the time I will apply the cash savings will be in bank for 6 months.

I've been working there for over
3 years.

My partner is abroad, which applying spouse visa to join me here in UK.

seagul · Post by **seagul** » Tue Apr 28, 2020 7:09 pm

AJ2020 wrote: ↑
Tue Apr 28, 2020 7:00 pm
. I have the saving for the later shortfall. And by the time I will apply the cash savings will be in bank for 6 months.

How much cash savings you have and remember the lowest balance figure during the last 6 months would be considered if cash savings are rising/fluctuating.

AJ2020 · Post by **AJ2020** » Tue Apr 28, 2020 7:20 pm

Well my savings is not sufficient for the lowest figure. This is why I was wondering if I could use 12 months average rather than 6 months. Its all due to the pandemic Covid 19 my hours have reduced otherwise I would have been okay.

seagul · Post by **seagul** » Tue Apr 28, 2020 7:30 pm

AJ2020 wrote: ↑
Tue Apr 28, 2020 7:20 pm
Well my savings is not sufficient for the lowest figure. This is why I was wondering if I could use 12 months average rather than 6 months. Its all due to the pandemic Covid 19 my hours have reduced otherwise I would have been okay.

To meet the financial requirement the accumulation of your last six months wages must be at least £9300 or £18600 during the last 12 months.

AJ2020 · Post by **AJ2020** » Tue Apr 28, 2020 7:48 pm

Okay, so 12 months wage slips are sufficient and cash savings can be combined?

seagul · Post by **seagul** » Tue Apr 28, 2020 7:52 pm

seagul wrote: ↑
Tue Apr 28, 2020 7:09 pm

How much cash savings you have?

AJ2020 · Post by **AJ2020** » Tue Apr 28, 2020 8:00 pm

Well 34 k since January

seagul · Post by **seagul** » Tue Apr 28, 2020 8:26 pm

AJ2020 wrote: ↑
Tue Apr 28, 2020 8:00 pm
Well 34 k since January

I am afraid but with that sum of cash savings you can't meet the requirement under both (category A & B) ways based on your previous earnings. How see below:

Category A:
Last 6 months wages: £5000×2= £10000
Cash savings: £34000-16000/2.5= £7200
£17200

Category B:
You must have earned at least £18600 during the last 12 months but you have actually earned £11200 and to meet this part of category B the cash saving is prohibited to combine.

AJ2020 · Post by **AJ2020** » Tue Apr 28, 2020 9:06 pm

Okay, can you just clarify are we not allowed to combine cash savings under category B over 12 months?

seagul · Post by **seagul** » Tue Apr 28, 2020 9:48 pm

AJ2020 wrote: ↑
Tue Apr 28, 2020 9:06 pm
Okay, can you just clarify are we not allowed to combine cash savings under category B over 12 months?

Category B entails two mandatory parts:

1) You must be employed with the salary of £18600 at the date of application (if salaried) or have earned at least £9300 during the last six months. On this point you can combine your cash savings.

2) You must have earned at least £18600 during the last 12 months. On this point you can't use your cash savings.

Advice: As you are intended to apply in August which means you have around 3-4 spare months to undertake excessive overtime.

AJ2020 · Post by **AJ2020** » Wed May 27, 2020 7:24 am

Hi,
I am due to send my paperwork for spouse visa around 15th of June, so do I need to send my payslips for May, April, March, February, January and December? Will that be sufficient. I will not get my june till the end.
Thank you

CR001 · Post by **CR001** » Wed May 27, 2020 7:28 am

Topics merged!! Please keep a questions in the same application in one thread and not post new topics in the General Immigration sub forum.

seagul · Post by **seagul** » Wed May 27, 2020 7:50 am

AJ2020 wrote: ↑
Wed May 27, 2020 7:24 am
Hi,
I am due to send my paperwork for spouse visa around 15th of June, so do I need to send my payslips for May, April, March, February, January and December? Will that be sufficient. I will not get my june till the end.
Thank you

If the latest payslip won't be 28 days older from the date of application then you might not need the June payslip. I guess if you receive payslips at the end of month then your May's payslip should be fine if you will apply on/around 15th June.

AJ2020 · Post by **AJ2020** » Mon Jul 13, 2020 9:50 am

Hi,

Under the new rules the HO have stated that it will reconsider the minimum income requirement for spouse visa as long as the minimum requirement was 6 months prior to March whent the lockdown had begun. My question is this just for those who met the full income £18600 + or can it apply to those who had some income and savings to prove the income. Like many I have bee affected by the pandemic so my income has decreased. I was planning on sending paperwork in April. Due to the lockdown abroad my partners english and tb test were cancelled in which were in March. My income and savings would have been fine if it was sent in April, however now I wont have the savings due to salary decreasing even more. So just wondering how it would be best.

CR001 · Post by **CR001** » Mon Jul 13, 2020 9:54 am

Topics merged!!

AJ2020 · Post by **AJ2020** » Mon Jul 13, 2020 10:08 am

Hi
My partners previous IELTS English Certificate expired in Feb 2020. He had booked one for March again, since I managed to save money to meet finanicial requirement, so we could apply for Visa in April. However due to the lockdown in Islamabad ( Pakistan) he was unable to attend the english test. Under the new rules HO has stated it may consider applications without english certificate. Now, my partner has a certficate but not a valid date one, I was wondering if I could just send previous certificate, would it be appropriate. Any suggestions would be great.
Thanks

AJ2020 · Post by **AJ2020** » Mon Jul 13, 2020 10:11 am

Not sure what you mean when topics merged. Sorry.

CR001 · Post by **CR001** » Mon Jul 13, 2020 10:13 am

Topics merged again!! Please do NOT post new topics for each question on the same application and do NOT post new topics in the General Immigration sub forum.

Keep ALL your questions on the same application in ONE topic. See link below regarding forum rule on multiple posts and topics!

Multiple Topics (click to read)

AmazonianX · Post by **AmazonianX** » Mon Jul 13, 2020 10:55 am

AJ2020 wrote: ↑
Mon Jul 13, 2020 10:11 am
Not sure what you mean when topics merged. Sorry.

Continue your enquiry under the thread you created already from around April or thereabout .

seagul · Post by **seagul** » Mon Jul 13, 2020 1:29 pm

AJ2020 wrote: ↑
Mon Jul 13, 2020 9:50 am
Hi,

Under the new rules the HO have stated that it will reconsider the minimum income requirement for spouse visa as long as the minimum requirement was 6 months prior to March whent the lockdown had begun. My question is this just for those who met the full income £18600 + or can it apply to those who had some income and savings to prove the income.

There is only one temporary relaxation for meeting the financial requirement through employment/self employment. For this purpose you must have earned sufficiently until March.

seagul · Post by **seagul** » Mon Jul 13, 2020 1:31 pm

AJ2020 wrote: ↑
Mon Jul 13, 2020 10:08 am
Under the new rules HO has stated it may consider applications without english certificate. Now, my partner has a certficate but not a valid date one, I was wondering if I could just send previous certificate, would it be appropriate. Any suggestions would be great.
Thanks

Previous test would only be accepted if was used previously in the successful grant of leave.

AJ2020 · Post by **AJ2020** » Tue Jul 14, 2020 7:43 pm

So, what is the one temporary relaxation for minimun income requirement? Please explain.

CR001 · Post by **CR001** » Tue Jul 14, 2020 7:45 pm

AJ2020 wrote: ↑
Tue Jul 14, 2020 7:43 pm
So, what is the one temporary relaxation for minimun income requirement? Please explain.

https://www.gov.uk/guidance/coronavirus ... -residents

Changes to the minimum income and adequate maintenance requirement
If you’ve experienced a loss of income due to coronavirus, we will consider employment income for the period immediately before the loss of income due to coronavirus, provided the requirement was met for at least 6 months up to March 2020.

If your salary has reduced because you’re furloughed, we will take account of your income as though you’re earning 100% of your salary.

If you’re self-employed, a loss of annual income due to coronavirus between 1 March 2020 and 31 July 2020 will generally be disregarded, along with the impact on employment income from the same period for future applications.

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