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  • Adjusted net income

    Hello I’m hoping to access tax free childcare and funded hours, but my salary is over £100k. I understand that if I contribute to my workplace pension through salary sacrifice then this reduces my “adjusted net income”. However if I make payments to a personal pension (so this will not appear on my payslips but will be declared in a tax return) as well as salary sacrifice, does this also help me to reduce my “adjusted net income”? As long as it does not exceed the maximum £60k of pension contributions for the tax year? Thank you