Tax refund less than I was expecting - advice appreciated

Hi, I have just completed my tax return, but not yet submitted. I did it to see what my tax calculation would be. It is showing a refund of 4,179.40. I thought it would be more based on the calculations below and would appreciate any advice as to why it is only this amount. Income: 119,633 Tax paid through PAYE: 35,281 Pension contributions Gross (inc. 20% tax relief at source) 21,605 I would have thought the pension contributions would have made my adjusted net income to be 98,020 and thus my tax for the year should have been 26,636.40, resulting in a refund of 8644.60. In addition, I would also have expected an additional refund of higher rate tax on my pension contributions of about 3781. Therefore I would have expected to see a refund of around 12,425. I assume I am misunderstanding something regarding the tax calculation, so would appreciate any advice or help. some additional info, during the year, I left my income stated as 100,000 meaning I had the standard tax code 1257L which obviously drove the total PAYE tax figure of 35,281.

Hi 

As you are not seeing the calculation expected, you may have completed your return incorrectly.
Please complete and file your return, then contact us directly - we can then review your entries, confirm if they have been completed correctly, and amend as appropriate. 

Thank you