Confused about how to reduce my adjusted net income and avoid child benefit charge

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in Cutting tax
I have been considering switching to a pension that doesn’t offer salary sacrifice but can’t understand how I can reduce my adjusted net income down to the 50k mark to avoid the higher child benefit charge.
So my new salary will be 64k and the new pension asks me to give a percentage of my salary I want to pay in and says it is paid after tax so I pay a reduced contribution and 20% is added to it as the tax the pension provider claims back.
I can then claim another 20% back on anything within the 40% tax bracket is that correct?
is that money then paid to me after self assessment rather than to my pension?
is that money then paid to me after self assessment rather than to my pension?
If so how do I get my adjusted income down as close to 50k as possible? What percentage of my net pay would I propose and how do I work it out so if my salary increases I know how to amend the percentage too?
I just can’t work out the process. My only other income is £500 savings interest each year. Do I have to take home much less initially until the tax situation sorts out?
I have lots of children and so the child benefit tax charge is very high and I would like to reduce it while also increasing my pension
apologies if I am not making complete sense as I’m getting confused by it all n]but I know there are some very switched on people here
apologies if I am not making complete sense as I’m getting confused by it all n]but I know there are some very switched on people here
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With relief at source 25% is added to your (net) contribution. Which is 20% of the gross contribution. For example you pay £1,000 and £250 is added by the pension company making a gross contribution of £1,250 (£1,250 x 20% = £250).
If your total taxable income was £64,500 then you would need to pay £11,600 (net) into a relief at source pension to reduce your adjusted net income to £50,000
£11,600 net = £14,500 gross.
And you don't get an extra 20%. Your basic rate band is increased by the gross contribution but given you wouldn't be paying 40% tax on £14,500 of your income the higher rate tax relief would be limited slightly.
Are you currently in the Alpha scheme?
There is no separate refund under the relief at source scheme. Any personal tax saving is wrapped up in your Self Assessment calculation. It may be you get a refund but if you owed say £5k from rental income and the higher rate pension tax relief saved you £2k then you wouldn't get a £2k refund.
You would have a Self Assessment bill for £3k instead of £5k.