Annual allowance and voluntary contributions

Mitts123

"The limit based on your gross earnings is completely separate.  It only includes your gross contributions and there is no carry over." 

This is clear, thanks. One point that I still don't get 100% is that if my maximum allowed contribution is £60k (total annual earnings) and I've already contributed £47.2k (£40k monthly pre-tax deducted from the paycheck + £7.2k employer contrution), is the remaining amount I need to pay £12.8k (and they add £4k tax relief) or £10k and they add £3k tax relief? 

Dazed_and_C0nfused

Mitts123 said:

"The limit based on your gross earnings is completely separate.  It only includes your gross contributions and there is no carry over." 

This is clear, thanks. One point that I still don't get 100% is that if my maximum allowed contribution is £60k (total annual earnings) and I've already contributed £47.2k (£40k monthly pre-tax deducted from the paycheck + £7.2k employer contrution), is the remaining amount I need to pay £12.8k (and they add £4k tax relief) or £10k and they add £3k tax relief? 

You only ever get 25% added to a qualifying RAS contribution.

So if you pay £12.8k the pension company will add £3.2k.

If you pay £10k they will add £2.5k.

This never varies.  Or at least not until the basic rate of tax changes.