SIPP eligibility guide

This interactive guide can be used to help you determine if you are eligible to contribute to a personal pension.

It will indicate whether you qualify to receive tax relief on your contributions and the maximum amount you can therefore contribute. If you have any questions regarding the information please do not hesitate to contact our pension experts on 0117 980 9926.

Useful terms:

Gross Contribution - This represents the amount you contribute including the tax relief. For example, a gross contribution of £3,600 represents a net contribution of £2,880 (80% of £3,600) which is the amount you pay, and tax relief of £720 (20% of £3,600) which is the amount the government adds.

Relevant UK Earnings - For most people relevant UK Earnings would be the amount of income you earn annually through employment. For example your salary before tax, or if you are self employed your taxable profit. It would not include, for example, interest from savings or dividends from shares.

UK resident - If you are unsure whether you are, or have been, UK resident for tax purposes then please contact HM revenue & Customs for clarification.