I pay into a self-invested pension. How do I ensure I'm getting the right tax relief?

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Question: I’m likely to become a higher-rate taxpayer this financial year. If I choose to pay into a self-invested personal pension (SIPP) for the tax benefits, how much do I need to invest to reduce my taxable income by £100? Is it £100 or £80? How can I recover the money the government owes me through tax relief? Is it automatically credited to my SIPP account?

Answer: Since the tax thresholds were frozen in 2021-22, millions more people have seen their income breach the next tax threshold, boosting the UK’s tax take.

In the 2021-22 tax year, there were 4.4 million higher-rate taxpayers, but that