ANAPROP, you really need to examine last year's tax too. Taking Vox as correct, you got your full Service pay taxed at 20/40% for April to July at the rate assuming you would be paid at that rate for the year. When you ceased work yo h may have been given your overpaid tax back. Your pension, taxed separately at 20% would have been correct. However your combined income 4 months full pay taxed at 20% plus pension ditto,could put you back in 40%. In my case there was an underpayment of £1200 but as I expected this I simply banked it until if was due.