{"id":7012,"date":"2022-11-23T12:51:04","date_gmt":"2022-11-23T12:51:04","guid":{"rendered":"https:\/\/meic.cymru\/2022\/11\/23\/understanding-tax-ni-other-payments\/"},"modified":"2025-11-13T09:34:42","modified_gmt":"2025-11-13T09:34:42","slug":"deall-treth-yswiriant-gwladol-a-thaliadau-eraill","status":"publish","type":"post","link":"https:\/\/meic.cymru\/cy\/2022\/11\/23\/deall-treth-yswiriant-gwladol-a-thaliadau-eraill\/","title":{"rendered":"Deall Treth Incwm, Yswiriant Gwladol a Thaliadau Eraill"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Pan fyddi di&#8217;n gweithio ac yn cael cyflog dros swm penodol, bydd ychydig o&#8217;r arian yna yn cael ei dynnu allan cyn i&#8217;r arian gyrraedd dy gyfrif banc. Y gostyngiadau yma ydy dy gyfraniad di tuag at bethau penodol. Fel rhan o&#8217;n <a href=\"https:\/\/www.meiccymru.org\/cym\/ymgyrch-costau-byw-meic\/\">hymgyrch Argyfwng Costau Byw<\/a>, rydym am edrych ar y pethau yma.<\/h3>\n\n\n\n<p>Pan rwyt ti&#8217;n cael dy gyflog, nid y swm sydd yn cael ei dalu (t\u00e2l sylfaenol) yw&#8217;r swm\u00a0 sydd yn dod adref gyda thi (t\u00e2l NET) bob tro. Mae yna bethau penodol mae&#8217;n rhaid cyfrannu tuag atynt, yn ddibynnol ar faint rwyt ti&#8217;n cael dy dalu. Mae hwn yn cael ei dynnu allan o dy gyflog cyn iddo gyrraedd ti. Gall hyn ymddangos ar y slip cyflog fel cyfraniadau Treth Incwm, Yswiriant Gwladol, Benthyciadau i Fyfyrwyr a Phensiwn. Parhau i ddarllen i ddarganfod beth yw ystyr pob un.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"What is tax? | Tax Facts\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/cFNy829Xbfs?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Treth Incwm<\/h3>\n\n\n\n<p>Mae Treth Incwm yn cael ei ddefnyddio i helpu talu am wasanaethau cyhoeddus fel y Gwasanaeth Iechyd, Addysg a&#8217;r system lles (budd-daliadau).<\/p>\n\n\n\n<p>Mae&#8217;r swm rwyt ti&#8217;n gallu derbyn cyn talu treth &#8211; y trothwy Lwfans Personol &#8211; yn newid bob blwyddyn, ond yn 2022\/2023 mae wedi cael ei osod ar \u00a312,570. Mae hyn yn golygu nad oes rhaid talu treth nes byddi di&#8217;n ennill dros \u00a312,570 y flwyddyn. Mae&#8217;r dreth yn cael ei dalu ar y swm sydd dros y trothwy yma. Os wyt ti&#8217;n ennill \u00a315,000 y flwyddyn, dim ond ar \u00a32,430 ohono rwyt ti&#8217;n talu treth.<\/p>\n\n\n\n<p>Mae&#8217;r mwyafrif o bobl sydd yn gweithio i gyflogwyr yn talu treth incwm cyn i&#8217;r arian fynd i&#8217;r banc gyda system gelwir yn TWE (talu wrth ennill). System mae cyflogwr yn ei ddefnyddio yw hwn i gymryd unrhyw daliadau Treth Incwm neu Yswiriant Gwladol. Mae&#8217;r swm sydd yn cael ei dynnu allan yn cael ei benderfynu gyda dy god treth. Mae hwn yn cael ei benodi gan <a href=\"https:\/\/www.youtube.com\/watch?v=GUiWnMIQSjg&amp;list=PL8EcnheDt1zjoRLU0I8WEKqqNzdR3w2xI&amp;index=10\" target=\"_blank\" rel=\"noreferrer noopener\">CThEM<\/a> (Cyllid a Thollau Eu Mawrhydi).<\/p>\n\n\n\n<p>Sicrha bod dy god treth yn gywir. Byddi di&#8217;n cael llythyr gan CThEM ar ddechrau&#8217;r flwyddyn sydd yn cynnwys y cod. Mae posib gweld y cod ar dy slip cyflog ac yn dy <a href=\"https:\/\/www.gov.uk\/cyfrif-treth-personol\" target=\"_blank\" rel=\"noreferrer noopener\">gyfrif treth personol<\/a> hefyd. Os yw&#8217;r cod yn anghywir (ac mae hyn yn digwydd), gallet ti fod yn talu gormod o dreth (ac angen cael ad-daliad) neu ddim yn talu digon (ac yn gorfod talu&#8217;n \u00f4l). Dy gyfrifoldeb di yw gwirio os yw&#8217;r cod treth yn gywir. Mae gan y Money Saving Expert <a href=\"https:\/\/www.moneysavingexpert.com\/family\/check-tax-code\/#find\" target=\"_blank\" rel=\"noreferrer noopener\">declyn gellir ei ddefnyddio<\/a> i gyfrifo&#8217;r cod treth gywir. Mae yna lawer o wybodaeth hefyd am ystyr rhifau a llythrennau y cod treth.<\/p>\n\n\n\n<p>Os wyt ti&#8217;n hunangyflogedig, dy gyfrifoldeb di yw talu Treth Incwm ac Yswiriant Gwladol. <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/work\/self-employment\/tax-and-national-insurance-when-youre-self-employed\" target=\"_blank\" rel=\"noreferrer noopener\">Mwy am hyn ar wefan HelpwrArian.<\/a><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Starting work | Tax Facts\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/9QOwR9wxR9M?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Yswiriant Gwladol<\/h3>\n\n\n\n<p>Mae Yswiriant Gwladol (YG) yn dreth ar dy gyflog. Mae&#8217;n gyfraniad fel dy fod di&#8217;n gallu cael budd-daliadau penodol (taliad salwch, mamolaeth, budd-daliadau diweithdra ayb.) a&#8217;r pensiwn gwladol (pensiwn mae pawb yn ei gael yn ychwanegol i dy bensiwn preifat).<\/p>\n\n\n\n<p>Rwyt ti&#8217;n cael rhif YG pan rwyt ti&#8217;n 16 oed. Mae hwn i&#8217;w weld ar dy slip cyflog, ar unrhyw lythyrau treth neu fudd-daliadau, neu yn dy <a href=\"https:\/\/www.gov.uk\/cyfrif-treth-personol\" target=\"_blank\" rel=\"noreferrer noopener\">gyfrif treth personol<\/a> ar wefan CThEM. Pan fyddi di&#8217;n ennill dros swm penodol bob wythnos (\u00a3242 yn bresennol), byddi di&#8217;n cychwyn gwneud cyfraniadau.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/piggybank-with-trim-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/piggybank-with-trim-150x150.jpg\" alt=\"Pink piggy bank dressed as a college graduate with mortar board and glasses.  Isolated on white.\" class=\"wp-image-5876\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Benthyciadau i Fyfyrwyr<\/h3>\n\n\n\n<p>Os wyt ti wedi cael benthyciad i fyfyrwyr yn y Coleg neu Brifysgol, byddi di&#8217;n&nbsp; dechrau talu hwn yn \u00f4l yn syth o dy gyflog TWE ar \u00f4l gorffen y cwrs ac unwaith bydd dy gyflog dros \u00a327,295 y flwyddyn (y trothwy incwm).<\/p>\n\n\n\n<p>Dim ond canran o&#8217;r arian rwyt ti&#8217;n ennill dros y trothwy uchod rwyt ti&#8217;n talu yn \u00f4l. Os wyt ti&#8217;n ennill \u00a330,000 y flwyddyn, nid oes rhaid talu 9% o&#8217;r swm cyfan. Rwyt ti&#8217;n talu&#8217;r gwahaniaeth rhwng hwn a&#8217;r trothwy &#8211; felly 9% o \u00a32,705 sydd yn rhaid talu dros y flwyddyn.<\/p>\n\n\n\n<p>Nid yw&#8217;r mwyafrif o bobl yn debygol o dalu&#8217;r benthyciad i fyfyrwyr yn \u00f4l yn gyfan gwbl. Mae&#8217;n cael ei ddileu ar \u00f4l 30 mlynedd (neu pan rwyt ti&#8217;n cyrraedd 65 oed i rai pobl). Ond paid poeni. Nid yw benthyciadau i fyfyrwyr yr un peth a dyledion eraill. Ni yw&#8217;n effeithio ar <a href=\"https:\/\/www.meiccymru.org\/cym\/apr-beth-deall-benthyca\/\" target=\"_blank\" rel=\"noreferrer noopener\">sg\u00f4r credyd<\/a> ac nid yw&#8217;n cyfrif pan rwyt ti&#8217;n gwneud cais am gerdyn credyd neu forgais.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/businessman-protection-money-table-with-tree-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/businessman-protection-money-table-with-tree-150x150.jpg\" alt=\"businessman protection money on table with tree. concept saving\" class=\"wp-image-5877\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Cyfraniadau Pensiwn<\/h3>\n\n\n\n<p>Efallai nad wyt ti&#8217;n ystyried beth fydd yn digwydd ar \u00f4l i ti ymddeol pan rwyt ti&#8217;n ifanc, ond gorau po gyntaf i ti gychwyn taliadau pensiwn. Mae <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/pensions-and-retirement\/pensions-basics\/what-is-a-pension-scheme\" target=\"_blank\" rel=\"noreferrer noopener\">pensiwn<\/a> yn fath o gynilo di-dreth hirdymor. Mae hyn yn golygu nad oes rhaid talu treth incwm ar y swm rwyt ti&#8217;n talu i mewn i dy bensiwn. Ar \u00f4l i ti ymddeol, bydd y pensiwn yn cael ei dalu i ti bob mis yn debyg i gyflog. Y mwyaf rwyt ti&#8217;n talu i mewn, y mwyaf o arian gallet ti ei gael bob mis ar \u00f4l ymddeol. Byddi di hefyd yn derbyn pensiwn gwladol (yn seiliedig ar dy gyfraniadau YG) pan fyddi di&#8217;n cyrraedd <a href=\"https:\/\/www.gov.uk\/state-pension-age\" target=\"_blank\" rel=\"noreferrer noopener\">oedran pensiwn gwladol<\/a>. Ond bydd cynilo ar gyfer pensiwn preifat yn gallu gwneud bywyd yn fwy cyfforddus ar \u00f4l i ti ymddeol. Rwyt ti&#8217;n gallu <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/pensions-and-retirement\/taking-your-pension\/when-can-i-take-money-from-my-pension\" target=\"_blank\" rel=\"noreferrer noopener\">hawlio&#8217;r pensiwn yma yn gynt<\/a> hefyd.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/pensions-and-retirement\/auto-enrolment\/automatic-enrolment-if-youre-21-or-under\" target=\"_blank\" rel=\"noreferrer noopener\">Os wyt ti dros 22 oed<\/a>, byddi di&#8217;n cael dy gofrestru ar gynllun pensiwn dy gwmni yn awtomatig. Os wyt ti&#8217;n ieuengach mae posib dewis cael dy gofrestru (eithrio i mewn). Bydd y mwyafrif o gyflogwyr yn cyfrannu swm o arian tuag at dy bensiwn ar ben yr hyn rwyt ti&#8217;n cyfrannu.<\/p>\n\n\n\n<p>Os wyt ti eisiau help yn penderfynu beth sydd orau i ti, yna mae HelpwrArian yn cynnig cyngor ac arweiniad diduedd, am ddim, ar bensiynau. <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/contact-us\/pensions-guidance\" target=\"_blank\" rel=\"noreferrer noopener\">Manylion i gyd am sut i&#8217;w cysylltu yma.<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/Worried-about-bullying_-Get-help-2.png\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/Worried-about-bullying_-Get-help-2-1024x315.png\" alt=\"\" class=\"wp-image-5755\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Cymorth pellach<\/h3>\n\n\n\n<p><strong><a href=\"https:\/\/www.meiccymru.org\/cym\/\">Meic<\/a><\/strong>&nbsp;\u2013 rhywun sydd wastad ar dy ochr di. Os yw pethau\u2019n anodd ac rwyt ti angen siarad \u00e0 rhywun neu gyda chwestiwn sydd angen ateb, yna&nbsp;<a href=\"https:\/\/www.meiccymru.org\/cym\/\">cysyllta \u00e2 Meic<\/a>&nbsp;yn gyfrinachol, yn ddienw ac am ddim ar y ff\u00f4n, neges testun neu neges ar-lein o 8yb tan hanner nos bob diwrnod y flwyddyn. Byddem yn siarad drwy dy opsiynau ac yn helpu ti i ddarganfod y llwybr gorau i ti er mwyn gallu symud ymlaen.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/\">A<\/a><\/strong><a style=\"font-weight: bold;\" href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/\">piau a Gwefannau i Helpu Gyda Chostau Byw <\/a>&#8211; Blog Meic<\/p>\n\n\n\n<p><a href=\"https:\/\/www.moneyhelper.org.uk\/cy\"><strong>HelpwrArian<\/strong><\/a>&nbsp;\u2013 gwasanaeth am ddim sy\u2019n cael ei ddarparu gan y Gwasanaeth Arian a Phensiynau. Yn gwneud dewisiadau arian a phensiwn yn fwy clir. Yn torri trwy\u2019r jargon a\u2019r cymhlethdod, egluro beth rwyt ti angen ei wneud a sut gallet ti wneud hynny, yn dy roi di mewn rheolaeth gyda chymorth diduedd am ddim gellir ei ddarganfod yn sydyn, ei ddefnyddio\u2019n hawdd ac mae\u2019n cael ei gefnogi gan y llywodraeth. Sgwrsia&nbsp;<a href=\"https:\/\/www.moneyhelper.org.uk\/cy\">ar-lein<\/a>, gyrra neges ar WhatsApp +44 77 0134 2744 neu ffonia 0800 138 7777.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.turn2us.org.uk\/\"><strong>Turn2Us<\/strong><\/a>\u2013 elusen genedlaethol sydd yn cynnig help ymarferol i bobl sydd yn cael trafferthion ariannol.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/llyw.cymru\/cael-help-gyda-chostau-byw\" target=\"_blank\" rel=\"noreferrer noopener\">Llywodraeth Cymru \u2013 Cael help gyda chostau byw<\/a>&nbsp;<\/strong>\u2013 darganfod pa gefnogaeth ariannol a allai fod ar gael i dy helpu, o filiau d\u0175r, trydan a nwy, i dai a budd-daliadau, i ysgol ac addysg uwch.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/nationaldebtline.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Llinell Ddyled Genedlaethol \u2013 National Debtline<\/a>&nbsp;<\/strong>\u2013 Elusen yn cynnig cyngor dyled am ddim i bobl yn y DU. Mae ganddynt&nbsp;<a href=\"https:\/\/nationaldebtline.org\/cost-living-hub-ew\/\">hwb costau byw<\/a>&nbsp;sydd yn cynnwys y wybodaeth ddiweddaraf am y cymorth sydd ar gael.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pan fyddi di&#8217;n gweithio ac yn cael cyflog dros swm penodol, bydd ychydig o&#8217;r arian yna yn cael ei dynnu allan cyn i&#8217;r arian gyrraedd dy gyfrif banc. Y gostyngiadau yma ydy dy gyfraniad di tuag at bethau penodol. Fel rhan o&#8217;n hymgyrch Argyfwng Costau Byw, rydym am edrych ar y pethau yma. Pan rwyt [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4196,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1651,76],"tags":[3542,2372,3544,3543,3545,3546,3547,3548,3549,3550,3551,3552,3553,3554,3555,3484,3556],"class_list":["post-7012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cyflogaeth","category-employment","tag-argyfwng-costau-byw","tag-arian","tag-benthyciadau-i-fyfyrwyr","tag-costau-byw","tag-cyflog","tag-gostyngiadau","tag-help-gyda-costau-byw","tag-pensiwn","tag-slip-cyflog","tag-taliadau","tag-taliadau-treth","tag-treth","tag-treth-incwm","tag-ymgyrch-argyfwng-costau-byw","tag-ymgyrch-costau-byw-meic","tag-ymgyrch-meic","tag-yswiriant-gwladol"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Deall Treth Incwm, Yswiriant Gwladol a Thaliadau Eraill - Meic<\/title>\n<meta name=\"description\" content=\"Pan rwyt ti&#039;n cael cyflog dros swm penodol, gall treth, YG, benthyciad i fyfyrwyr a phensiwn gael ei dynnu allan ohono. 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