Does Increasing pension contributions reduce tax.

Cobbler_tone

If you are paying in via SS, I'd ask (unless you work it out) what your max contributions allowed are to keep you above the national minimum wage. e.g. when I was on £67k with various other taxable benefits and other personal SS options my limit was 54% which HR quickly calculate to stay within the rules. If you intend to remain in the 20% bracket during retirement and can afford to avoid 40% tax now, it can make sense to do so and the most straightforward way by increasing contributions. As long as stay below the £60k limit of total contributions.