Thank you Robbob that's very informative
I contribute 1440 from my basic salary and 1080 employer contribution, a total of 2520, and 360 tax relief on my contribution , total is 2880
(I get a total 60 with field bonus etc)
Ok that makes sense now - generally with employer contributions or contributions made as deduction from your gross pay rather than from your net pay i would recommend excluding these amounts from you initial calculations as there is no added tax relief available for you.
Note your payments deducted from salary will be deductions from your net pay (relief at source) as you have confirmed you get the 20% tax relief added in - note somewhat confusingly payments deducted from gross pay are what is called a "net pay scheme" .
If you have any doubts double check the tax relief is added in and that payments are "relief at source type"
I cant see anything wrong with your 40k allowance calculations - however note the 40k threshold i think is irrelevant for calculations to what you can add to pension this year - if you have more than sufficient brought forward allowances to ensure the 60k "taxable income limit" will be hit before you use up prior years allowances. I think you have already sussed tis fact though.
Ref the maximum you can put in i think it may be
60k taxable pay
less 1800 via employment you contribution only (ie employers ignored) with added tax relief
so potentially £58,200 gross 11640 tax relief added into pot so net amount you can add £46,560
I am not 100% certain but i think the employers contribution can be ignored here as you are not specifically claiming tax relief on these payments - however i am not 100% certain without doing further research - so i would say unless you get confirmation elsewhere it is probably more sensible use your original calcs if you have any doubts !
ie If I just claim 20 percent is it 60,000 - 2880 = 57120 x 0.8 = 45696?