What Is a P45 and When Do You Get One?

If you leave a job, one of the most important documents you’ll receive is a P45. It plays a key role in making sure you’re taxed correctly in your next job.

Here’s what a P45 is, when you get it, and why it matters.

What Is a P45?

A P45 is a document given to you when you stop working for an employer.

It shows:

• Your total pay so far in the tax year
• Tax paid to date
• Your tax code
• Your leaving date

It ensures your next employer continues your tax record correctly.

When Do You Get a P45?

You should receive a P45 when you leave your job.

Employers usually provide it:

• On your final working day
• Shortly after your last payslip

It may be issued as a paper document or digitally.

Why Your P45 Is Important

Your P45 allows your new employer to:

• Apply the correct tax code
• Avoid placing you on emergency tax
• Continue your pay and tax totals accurately

Without it, you may temporarily pay more tax than necessary.

What Happens If You Don’t Have a P45?

If you don’t have a P45, your new employer will ask you to complete a starter checklist.

This provides basic information so payroll can assign a temporary tax code until HMRC updates your records.

What If Your Details Are Wrong?

If your P45 contains incorrect information, contact your previous employer immediately.

Incorrect figures can lead to:

• Wrong tax deductions
• Incorrect payslips
• Issues with your P60 later

Should You Keep Your P45?

Yes — it’s a useful record of your earnings and tax for part of the year.

It can be helpful for:

• Tax queries
• Financial applications
• Keeping your personal records accurate

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