Non-earner pension contribution £2,880 (£3.6k) after year

[Panamax]

I'm aware that earners with an existing pension arrangement can make tax-relieved contributions into it AFTER the end of the financial year, so long as they have sufficient earned income.

Can a non-earner with an existing pension arrangement similarly make a £2,880 contribution in respect of the previous year?

[Rufus Stone]

You cannot backdate a pension contribution to a previous tax year.

[alscar]

I believe not unless said non earner has some form of other Private pension plan in place ( according to Gov UK website although it’s not clear to me if that’s talking about the £2,880 contribution ).

[Panamax]

alscar said:

I believe not unless said non earner has some form of other Private pension plan in place ( according to Gov UK website although it’s not clear to me if that’s talking about the £2,880 net contribution ).

That's what I was finding, namely that if you have some pensions "allowance" unused in a previous year then provided you have sufficient earnings in the following year you can contribute both your current year's allowance and any allowance left over from the previous year (in fact 3 years).

Logic suggests the £2,880 (£3.6k) might be different but I've seen nothing in black and white to say that's the case.

[Rufus Stone]

You are describing carry forward.

All that does is increase the potential maximum pension contribution in the current tax year. If you have no net relevant earnings you can only receive a tax credit on £2880 net. If you omitted to pay that last year you cannot backdate a contribution now to last tax year.

[Panamax]

Rufus Stone said:

You are describing carry forward.

Yes, exactly, the carry forward of allowances.

I was asking whether the £2,880 allowance for non-earners can be "carried forward", enabling a £5,760 contribution in the current year. I've seen nothing to say that it can but also found nothing to say that it can't. I guess the definitive answer may be to phone a provider.

[alscar]

I've looked back to 2014 to when I first started on my wife's behalf and I certainly only started from her first and "current year" ie not the preceding.
If I could have done I would have so my final answer is that you cannot as has been said.

[Rufus Stone]

Panamax said:

Yes, exactly, the carry forward of allowances.

I was asking whether the £2,880 allowance for non-earners can be "carried forward", enabling a £5,760 contribution in the current year. I've seen nothing to say that it can but also found nothing to say that it can't. I guess the definitive answer may be to phone a provider.

No you can't double up this tax year. If you failed to pay last year you have lost the opportunity.

[Panamax]

Ok, understood. Thanks Rufus for your input here.