SIPP Contributions, using Carer's Allowance and Proceeds from DB Pension as income

MMMee

Hello

Sorry if this is a daft question, but I'm wondering how much my partner can put into the SIPP opened in March - any pointers would be much appreciated

I've tried searching the forum, but can't quite find anything that covers it, so apologies if it is a repetition.

Anyway, the details:

Income:

a. From a DB Pension taken early: £6900

b. Carer's Allowance: £3987

c. Income from savings: £3990

Total Income: £14877

So far we've put £2880 into the SIPP this tax year and the same last, assuming that that was the maximum allowed, as we believed that Carer's and the proceeds from another pension weren't to be included as income, but we're not sure now whether that is correct.

She is 57yo, and aiming to take the pension in ten years or so.

p00hsticks

a) and c) don't count as income (and if they did for benefit purposes, I don't believe she'd be entitled to b) ).
 I'm pretty sure b) doesn't either, which means she is limited t othe £2880 she is putting in. 

Doctor_Who

HMRC define money that can attract tax relief when put in a pension as Relevant UK earnings, a long list of which can be found on the Gov.uk website. As p00hsticks said, pension and savings income don't count and I couldn't find carer's allowance in the list.

MMMee

Ah, thank you @p00hsticks and @Doctor_who. I must admit that was where we had started from, so really good to know.

Thanks both...

Dazed_and_C0nfused

MMMee said:

Ah, thank you @p00hsticks and @Doctor_who. I must admit that was where we had started from, so really good to know.

Thanks both...

The good news is she can still get the £720 tax relief despite not paying any tax on her taxable income.

MMMee

Dazed_and_C0nfused said:

MMMee said:

Ah, thank you @p00hsticks and @Doctor_who. I must admit that was where we had started from, so really good to know.

Thanks both...

The good news is she can still get the £720 tax relief despite not paying any tax on her taxable income.

Yes, that is definitely a bonus

Doctor_Who

Dazed_and_C0nfused said:

MMMee said:

Ah, thank you @p00hsticks and @Doctor_who. I must admit that was where we had started from, so really good to know.

Thanks both...

The good news is she can still get the £720 tax relief despite not paying any tax on her taxable income.

I agree, a nice perk. Just a shame the limit hasn't been increased for many years, but I suppose that's the same as a lot of tax allowances.