Net pay pension - worth putting more in?

Albermarle

xylophone said:

I had a thought - there is some scope for confusion in terminology in 

https://thepeoplespension.co.uk/pension-tax/#pension-tax-when-paying-in

It seems that PP call RAS "the NET TAX basis"

while  NET PAY is termed "GROSS TAX basis".

Ask your employer whether your pension contributions are taken before or after your earnings are taxed.

Is net pay before or after tax?

‘Net pay’ means the amount you’re paid after tax has been taken.

That’s why we call it a ‘net tax basis’ when we take pension contributions after tax – because that would mean we’d be taking your contributions from your ‘net pay’.

Your ‘gross pay’ is the amount you’re paid before tax is taken.

So when we take pension contributions before tax, we call it ‘gross tax basis’ – because that would mean we’d be taking your contributions from your ‘gross pay’.

The OP referred to "net tax basis" - if he is in PP then he is on RAS and if a higher rate tax payer, will need to claim higher rate relief through HMRC.

Although PP are not using the correct technical terms, their explanation is better than the confusing terms HMRC use!