Hi.There probably isn't much you can do insofar as avoiding having to pay the tax is concerned I'm afraid.What you need to do is to make sure all your tax codes are correct. You cannot assume that they are which is what most people do unfortunately. From what you have told me, somewhere along the line you are paying too little tax on one or more of your income sources. If the tax codes were issued part way through the tax year on a M1 (Month 1) basis then the errors which occurred earlier in the tax year won't be picked up until the tax year end. If tax codes are changed on a cumulative basis mid-tax year as opposed to on a M1 basis which ignores errors until the end of the tax year, you would potentially pay back all the tax underpaid in one go which most taxpayers cannot afford to do.You need to make sure that the taxable benefits that you have are correctly shown in your current work tax code. If you have a company car, check what the benefit should be here. Make a list of all your pensions and call the tax office on the number here. Tell them what the problem is, ie that you are underpaid ever year, and ask them to review all your 2013/14 tax codes and to make any necessary amendments while you are on the phone. Tell them what you think the car benefit should be if you have one and what the other taxable benefits are if you have any. When you receive the revised tax codes, make sure they are what the tax office told you they have changed them to. Depending on the level of your income overall, some pensions should be on BR (20%) tax codes or on D0 (40%) tax codes or on K codes. If any underpayment has accrued in the current tax year, 2013/14, that will manifest itself after the end of the tax year on 5 April 2014. At the moment, you are playing catch up.You might ask the tax office to explain in writing why you appear to be underpaid each year even though they are issuing tax codes. Take a look at the document here and ask the tax office if it could apply to you.I hope this helps but let me know if you have any further questions.