Richard, thank you for your patience.
Here is my response to additional points raised by you -
1) Is my new employers matching pension contributions irrelevant to my personal tax calculation situation - (or is it earned income) ?
Answer – Your contributions into a pension scheme give you tax relief .. employers’ contributions are irrelevant for your tax relief.
2) Could my estimated taxable earning at my new company with my pension contribution of 7.5% could be better estimated once I know how the salary sacrifice situation in operation at my new employer seems to work - from a few payslips showing taxable earning growing throughout the months. (rough estimate given the salary is the same each month) - specifically if (3 below cannot be done)
Answer – I have based my recommendation on salary figures you have estimated
3) Is my understanding of carry forward provision as follows still valid ?
"Carry forward provision allows you to carry forward unused annual allowance from the previous three years and catch up on contributions you may have missed. You could potentially invest up to £200,000 in this tax year (three years’ worth of £50,000 plus £50,000 for this tax year).
There are two conditions: First, in the same tax year you must have earned at least the amount you wish to contribute. Second, you must have been a member of a UK registered pension scheme in each of the tax years from which you wish to carry forward, even if you did not make contributions.Read more: http://www.thisismoney.co.uk/money/experts/article-2533299/Can-use-unused-allowances-pay-100k-pension.html#ixzz3el0C3ZbD
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ie Is this still valid to allow a more accurate calculation on using my unused annual allowance from next years P60, given earnings of £45K would be larger than my potential pension contribution eg £20K (approx) + (7.5% (ee) + 7.5% (ers)of £45K)
Answer – The limit for current tax year is £40k. You should ignore employer contribution as the company gets corporation tax relief on its contribution. You could invest more than £40k provided you have unused allowance from previous 3 years (the annual allowance for tax year 2014-15 was £40k, 2013-14 was £50k and 2012-13 was £50k.
If you wait for your P60 that you will receive in May/Jun 2016, you would be in a new tax year and you would have already suffered tax at 40% on some of your earnings in the current tax year.
More information on tax on private pension contributions can be found here
4) Is paying £20000 as you metiond gross to a pension - making a payment of £20000 or something less ie 20000 -40% or -20%
Answer – you would pay 80% of £20k i.e. £16k and the taxman will top it up to £20k. Then when you complete your tax return you would claim the extra relief at that point.
Once I am happy I understand these points it will help me work out my figures more accurately and I will be happy to complete your payment asap today.
I hope this is helpful.