Tax credits and pension contributions

[RiverCityFan]

Despite reading all that I can on this I am still unsure so I'm hoping someone can clarify for me!
I currently receive CTC and understand I can deduct my pension contributions from my gross income.
I have an occupational pension and a personal pension.
Am I right in thinking that for the occupational pension, I just deduct 12x the amount shown on my payslip?
For the personal pension, I need to "gross up" my contributions. So monthly payments x12 x1.25??

I just want to get this right but I've looked at the figures so much, I'm getting myself confused now!

You shouldn't need to do anything about your occupational pension as its on your P60 unless it is a NEST pension or similar where you pay tax on it and then they claim it back for you. For the personal pension, yes you need to gross up your contributions. Even providing evidence tax credits are likely to delay and query it so be prepared for it to take 6months plus for them to accept it.

And it would be 1.2 not 1.25 as basic rate tax is still 20%.

Thank you for replying. I'm still confused- my P60 doesn't show/allow for any deductions towards pension contributions.
Am I missing something really basic here??

Sorry, look on your last payslip of the year not your P60. It will show your pension deductions and taxable pay for the year so you can work out if you have paid tax on your pension contributions or not. Or just contact your pension provider, HR or payroll company and find out where you get tax relief on the contributions. If the pension contributions are taken from your pay pretax, you don't need to gross it up. If you pay tax on it through payroll and then the pension provider claims back the tax on your behalf later, you should gross up.

I have a Nest pension and tax credit renewal is always a nightmare. Currently my award has been reduced massively whilst it app goes through. Last year it took 5 months.

Mine is with Nest. So I have to declare mine and gross them up. I get taxed on my full salary, pension paid and tax reclaimed by Nest.
With your work pension are you taxed on your gross pay, or your pay minus your contribution. Basically if your pension is paid before your earnings are taxed then you dont need to declare it as they've already been accounted for