For one-off or additional personal contributions outside payroll — claim your full tax relief and get back what HMRC owes you.
Tell us about your income and how much you'd like to contribute. We'll calculate exactly what the government adds on top.
Your total employment income before tax. Used to determine your tax band and how much relief you can claim.
The amount you'll actually transfer from your bank account. Your pension provider will automatically add 20% basic rate relief on top.
Include employer contributions too. Used to check your annual allowance headroom. Leave blank if unsure.
Both work the same way for tax relief. This just affects the guidance we give you.
Here's exactly what happens to your contribution and how much you can claim back.
Make sure your total contributions stay within HMRC's limits — breaching them triggers a tax charge that wipes out the relief.
Both your own contributions and your employer's contributions count. For defined contribution schemes, it's simply the total paid in. The limit is £60,000 or 100% of your earnings, whichever is lower.
If you've been a pension scheme member for the past three years and haven't used your full allowance, you can carry forward unused allowance — potentially allowing contributions well above £60,000 this year. Speak to a financial adviser to use this correctly.
Here's exactly what to do to make your AVC and claim your full tax relief.