graham fur

The link directly below says for a Sipp .. "If you’re paying in an amount greater than £10,000, you’ll need to contact HMRC to claim the tax relief". I've copied the full paragraph below the link. I know that standard rate tax payers don't usually need to do this but this seems to be an exception. Any thoughts? Should i just do it anyway? I've never added anything to a SIPP but i've had some inheritance and i'm doing my best to get it all in ISA's and SIPPs. https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief Claiming tax relief yourself In some cases, you need to claim tax relief on pension contributions yourself. You’ll need to make a claim if: you pay Income Tax at a rate above 20% and your pension provider claims the first 20% for you (relief at source) your pension scheme is not set up for automatic tax relief someone else pays into your pension If you’re paying in an amount greater than £10,000, you’ll need to contact HMRC to claim the tax relief.

It's ok the mse forum answered my question. fyi i was conflating annual allowance and tax relief which wasn't helping matters.

I'm trying to calculate my remaining annual allowance for tax year 23/24 for an Nhs defined benefit pension (I've estimated my final salary this year and rounded up the pennies). Opening value 22/54 x £42337 = £17248.41 x 16 = £275,974.56 Increased by 10.1 (CPI Sept 23) = £303,847.99 Estimated Closing value 23/54 x £45000 = £19166.67 x 16 = £306,666.67 Therefore the total input is equivalent to £306,666.67 - £303,847.99 = £2818.68 So my remaining allowance is £45000 - £2818.68 = £42181.32 So if I add £30000 this tax year the HMRC should top this up to £37500 and I'll still be under my allowance? But! As this is an NHS pension and because of my age (now 55) I was moved from the 1995 to the 2015 pension. Does this impact at all and if so are there new rules/calculations I should be using?