Confused by tax relief on pension and monthly tax paid

[Deleted User]

Hello, every month my take home pay is approx £58 less than what the MSE and other salary calculators tells me it should be, due to the tax amount being higher -  I use my own tax code in the calculators though and I think its something to do with tax relief on my pension but I really don't understand how it works so I'm hoping someone can help me understand please :-) 

take home gross is 5833.33, NI 439.93, Pension is taken net 5% at 233.33 (with the 20% or £58 difference to gross appearing as tax relief in my pension) 
tax code is 1463L (1219 monthly tax free allowance) and the amount of tax i pay is 1216.87 but the calculators tell me it should be 1100 a month, I've called the tax office and they think its correct.
Net take home is 3943.20 but the calculators have it at 4001

Dazed_and_C0nfused

Can you give the details from your latest payslip?

[Deleted User]

Payments
Basic Pay			5,833.33
Expenses Reimbursement			0.00

Total Payments                     5,833.33

Deductions

Deduction	Rate	Cash
Tax		1,216.87
NI - A		439.93
Pension Scheme	0.05	233.33

Total Deductions           1,890.13

Description	Value
Tax Paid YTD	6,896.33
NI - A	2,347.49
Taxable Pay YTD	31,195.63
Niable	31,195.63

NET PAY               3,943.20

superbigal

The Tax your paying is  NOT based on YOU contributing 5% to a pension.
Remove that from the calculator and you will get £1217 tax.
It also makes the NI correct.
Is this 5% not the Employers contribution ?
Hope this can point you in correct direction.

chrisbur

It appears to me that your pension is a relief at source scheme.  There are some details here under relief at source.
https://www.moneyhelper.org.uk/en/pensions-and-retirement/tax-and-pensions/tax-relief-and-your-pension
 Scroll down a bit or click on second red line.

molerat

You are in a relief at source pension arrangement so your pension contributions are made from taxed pay and the 20% is credited back into the pension.  If you are a higher rate tax payer you need to reclaim the additional tax paid on the contributions.

Dazed_and_C0nfused

molerat said:

You are in a relief at source pension arrangement so your pension contributions are made from taxed pay and the 20% is credited back into the pension.  If you are a higher rate tax payer you need to reclaim the additional tax paid on the contributions.

I suspect the 1463L tax code includes some provisional tax relief for relief at source pension contributions.

[Deleted User]

Understood - thank you all very much.