Higher rate tax and pension contribution question

Shickly

Dazed_and_C0nfused said:

Yes, I would be surprised if any SIPP provider did not accept contributions until very close to 5 April each year.

But if you get it wrong there is no way to change things once past the end of the tax year.

Yeah, I too would like to think so, same with an ISA and the like.

That is fair, well I have 21 months until the end of the 2026/27 tax year in which it will become relevant for me. And considering I've gone from knowing probably 10% of what I needed to, to being far more clued up, in just a few hours of communication with yourself, I'm sure by the time it comes around, I'll be more than prepared to make a well informed decision.

Cobbler_tone

A lot of words with an extremely simple answer. Once you said “relief at source”, look at
taxable pay on your payslip and keep it under the 40% threshold. If you are a little over you’ll only pay extra on that. Done.