Employer/Private Pension and CMS

Mr_GoldMine

Hello need some advice please

I am 39 years old, 40 next year, have one child

Currently gross is 35k. I pay 5%, employer pays 3% into pension, has  this been taken into account for CMS calculation since it started 2 years ago.

my employer pension started in 2015, i was 34/35 at the time.

As far as CMS is concerned, how much am i allowed to pay into a pension (a. via employer or b. privately).

question is can i increase it, off course I can!

but by how much?

BAFE

You are allowed to pay as much as you like into your pension fund (well up to £1 million i think although obviously this doesn't affect most people).  It doesn't make any difference whether its a public or a private pension.

kangoora

You can pay up to £40k/year or the maximum of your taxable income (there are some rules around carry-forward but won't apply to you with a £35k income). Paying extra into a pension reduces your taxable income so, I presume, you could ask for a CMS re-assessment? In terms of how much you can increase your pension before they start looking at if you are just trying to avoid payments then this FOI document may help.

https://www.whatdotheyknow.com/request/cms_maximum_pension_allowance_ca#incoming-1346846