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Hi HMRC This tax year (24/25), I topped up my workplace pension by £25k by using my carry forward allowance from previous tax years 21-22,22-23,23-24. In November, I resigned from my job. My question is: Can I top up my pension for this tax year (24/25) now OR, do I have to wait until the new tax year from April 2025 and do it then? My salary earned to date for this tax year is: £9,827. My annual salary was: £13,899.96 My total pension contributions (mine plus employer) for this tax year was: £1,373 Looking at my pension statement, for 24-25 however, it is showing my pension contributions as being £25.5 k with a tax relief of £6.3k. I advised my pension co in writing this was a top up/carry forward from the previous tax years, although on my pension statement, it is not showing this but instead is grouping my carry forward for this tax years figures. Hope this makes sense. Thank you in advance

Thank you for your help with this

Hi again. Hopefully this will be my last question. I have now made my carry forward payment to my pension provider and provided them with the calculations for their and my records for HMRC . They have stated " it is your responsibility to ensure HMRC are aware of your intentions and the reason for the overpayment.". My question is: Aside from this forum, do I need to advise HMRC separately of this payment (of carry forward of my previous year's allowance) ? I have not gone over the threshold for any of the tax years in question. If I do need to write separately to HMRC, please let me know the contact details. Many thanks.

Thank you and the last question? "do I deduct 20% from this total ?" Thanks again

Hello I have just realised that when I was a higher rate tax payer, I could have claimed higher rate tax relief on my pension contributions. I was contributing to my workplace pension along with employer contributions. I was a higher rate tax payer until 08/04/21 when my employment ended. So far as I understand, I can only go back 4 tax years. This leaves 20/21 tax year. Looking at my pension provider summary for that year, there was no tax relief applied. Can you tell me: If 20/21 tax year is the earliest I can back date How to apply for a refund and what evidence or documentation I need to supply? Thank you

Thank you for getting back. Just to clarify: The first tax year I can use the carry forward would now would be 21/22? So I can add up the totals for 21/22, 22/23 and 23/24? re: "the difference between what you paid into your pension scheme and your pension threshold" Do I included my employers contribution to the scheme for each of these years also and add any tax relief? Finally, when I get the total amount (which I currently calculate at £24,882), do I deduct 20% from this total ? Thanks again for your help

Hello I work part time and have recently started paying tax as I am now just above the personal allowance threshold. I want to put a lump sum into my pension but I am unclear what the maximum amount I can put in as part of the carry forward allowance over the past 3 years without being taxed. This is the breakdown of tax years, my income and pension contributions in those tax years. 21/22 - £0 - Nil tax - pension saving = £1422 22/23 - £12,398 - Nil tax -pension saving = £995 23/24 - £12,727 - Pay Tax -£ pension saving = £1600 24/25 -£13,900 - Pay Tax - pension saving (to date) = £188 Thank you in advance