Tax after marriage - tax after pay cuts

Hi,

I was just having some trouble trying to figure out a few things, hopefully someone a bit more up to speed can help me out, here goes.

1. We recently had a child and my fiance is returning to work on a 4 day week on 80% of her previous salary, she works in retail and her new reduced salary would be 17,640. She thinks she wont have to pay any tax or prsi because it is below 18k....is this true?

2. We are getting married in august and I am a bit confused about the tax situation after mirrage. I earn 48k so i am assuming it would be better to be jointly assessed. Should i use all her tax credits or should we distribute them between us and if so in what ratio. or what would be the best thing to do?

3. Finally, I was looking at those take home pay / tax calculators but none of them seem to take into account pension contributions (i have been using this one http://www.deloitte.ie/tc/Default.aspx). My take home pay is €653 at the moment and i make a €80 pension contribution (which costs me roughly 40 per week off my gross pay). When i use the calculators they say my take home should be 702 and when i subtract the extra 40 for pension i get 662 in comparision to the 653 that is on my pay slip. I seem to be coming up short around €10, am i being done out of a tenner every week or am i missing something.

hopefully someone can shed some light, thanks

try the site below it will be updated for the budget tomorrow in the meantime update the increased PRSI and Levy figs yourself from the budget roundup.
It allows you input a pension %.
[broken link removed]

cheers

You can also try this calculator if you have your tax credits and cut-off details: http://taxcalc.eu/monthlyss/

This calculator (which I wrote) shows your pay using the old rules for Jan to April and the new rules thereafter. It allows you to enter pension payments, income continuance payments and deals with the public sector levy (if applicable). Additionally, it has a feature which estimates possible refunds of the income levy or health contribution. You can set it for weekly, fortnightly or monthly pay periods. If you have any queries re using it, send me a PM.