Tax top-up scheme

If you haven’t paid tax on any of your UK earnings, and you’re eligible, we’ll top up your pension savings by the amount of tax relief you’ve missed out on each tax year. Submit our claim form.

What is the tax top-up scheme?

We have a net pay scheme, which means pension contributions come out of your pay before income tax is taken off. If you’re a taxpayer you get automatic tax relief, but if you don’t pay tax you don’t get any tax relief. NOW: Pensions wants to make sure non-taxpayers don’t miss out, so we have our own tax top-up scheme.

If you haven’t paid tax on any of your UK earnings in a tax year (April to April), we promise to top up your pension savings by the amount of tax relief you’ve missed out on for that year.

Who can apply?

You can apply for a tax top-up if you earned less than £12,570 in total earned income for the 2023-2024 tax year (6 April 2023 to 5 April 2024).

How to apply

To apply, please submit our claim form by 31 December 2024.

You’ll also need to give HMRC permission to tell us about your tax situation. You can do this on our claim form.

Apply

Apply for a tax top-up for the 2023-2024 tax year.

Fill in our claim form

If your claim is successful, we’ll add this money to your pension savings. Remember, if the money is added to your pension savings, it’ll be invested on your behalf and you won’t be able to access it until you’re aged at least 55.