Child Tax Credit income limits offset by pension contributions


Myself and my partner both have fairly low paid jobs ( approx £22000 between us). I am looking to work extra hours but do not want to earn over I believe the limit to receive credits of 27.5k. If I did earn 27.5k this would I believe mean that I would need to pay back all of the tax credit payments made so far.

Am I right in thinking that I if I pay the extra money earned into my private SIPP that this would be deducted from my overall earnings and so I would still be entitled to Tax credits?

Many Thanks.


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