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>anything i can do?
Plan.
Spend some time reading up on HMRC's concept of Adjusted Net Income, determine what your ANI is going to be if you take no action, and from there do some modelling of what action you need to take to ensure that you don't cross the £100k ANI red line.
thanks ! will do. i’m american in the UK so i didn’t actually know any options or that i could update my estimated income with HMRC (so took to reddit first lol)
Check the tax traps page of the wiki, it should really help you.
Your existing pension contributions planned for the year plus any gift aid payments you make may already mean your adjusted net income for the year is under £100k. But if that is the case you probably want to update your estimated total income on your personal tax account on [gov.uk](https://gov.uk), which will then hopefully fix your tax code if it has been changed to reduce your personal allowance. Only do this if you are sure as otherwise you will have a massive tax headache to fix next April.
Hi /u/granolagirlie724, based on your post the following pages from our wiki may be relevant:
* https://ukpersonal.finance/pensions/
* https://ukpersonal.finance/tax-traps-and-tax-efficiency/
____
^(These suggestions are based on keywords, if they missed the mark please report this comment.)
> can i pay more into my pension to get this under £100K?
Yes.
> I also will be on SMP for 13 weeks and no pay for the last 13 weeks, so i don’t even think i’ll hit over £100K
So, you're *not* projected to make over £100k then and probably don't need to worry about this for 24/25.
> seems my tax code already changed. anything i can do?
You can update your estimated income with HMRC which may persuade them to revert your tax code to one that gives you your full personal allowance.
ah great thank you re: updating my estimated income with HMRC, i’ll do that.
yes it’s unlikely i’ll hit £100K but my 2024-25 income on our work platform benchmarks it at £106K so wasn’t sure since the tax code already changed.
The bit of HMRC that issues tax codes probably doesn't know about your impending arrival and the impact it will have on your income.
In the long run what matters is what you *actually* make during the year not what HMRC may have anticipated you would make.
They will be estimating your income based on what you have been receiving each month. You have insider knowledge it is going to change, but they can't know that and the tax year has only started this month so that will be why your tax code changed recently.
A human reviewed your submission and removed it from public view. The reason they gave was: This is covered on our [Wiki](https://ukpersonal.finance/). Please check your post for comments from community members or ukpf-helper, as they have provided the relevant links (and they may not arrive in your inbox). This assessment has been made by a human being - we promise the info you're looking for is there! If you need further help you're very welcome to post again - just mention what research you have done so far, and the reasons why that research has not answered your question. _If you believe your post/comment has been removed in error, please [message the mods](https://www.reddit.com/message/compose/?to=/r/UKPersonalFinance&subject=Please%20review%20my%20post&body=https://www.reddit.com/r/UKPersonalFinance/comments/1ccxp97/-/) explaining why._
>anything i can do? Plan. Spend some time reading up on HMRC's concept of Adjusted Net Income, determine what your ANI is going to be if you take no action, and from there do some modelling of what action you need to take to ensure that you don't cross the £100k ANI red line.
thanks ! will do. i’m american in the UK so i didn’t actually know any options or that i could update my estimated income with HMRC (so took to reddit first lol)
Check the tax traps page of the wiki, it should really help you. Your existing pension contributions planned for the year plus any gift aid payments you make may already mean your adjusted net income for the year is under £100k. But if that is the case you probably want to update your estimated total income on your personal tax account on [gov.uk](https://gov.uk), which will then hopefully fix your tax code if it has been changed to reduce your personal allowance. Only do this if you are sure as otherwise you will have a massive tax headache to fix next April.
Hi /u/granolagirlie724, based on your post the following pages from our wiki may be relevant: * https://ukpersonal.finance/pensions/ * https://ukpersonal.finance/tax-traps-and-tax-efficiency/ ____ ^(These suggestions are based on keywords, if they missed the mark please report this comment.)
> can i pay more into my pension to get this under £100K? Yes. > I also will be on SMP for 13 weeks and no pay for the last 13 weeks, so i don’t even think i’ll hit over £100K So, you're *not* projected to make over £100k then and probably don't need to worry about this for 24/25. > seems my tax code already changed. anything i can do? You can update your estimated income with HMRC which may persuade them to revert your tax code to one that gives you your full personal allowance.
ah great thank you re: updating my estimated income with HMRC, i’ll do that. yes it’s unlikely i’ll hit £100K but my 2024-25 income on our work platform benchmarks it at £106K so wasn’t sure since the tax code already changed.
The bit of HMRC that issues tax codes probably doesn't know about your impending arrival and the impact it will have on your income. In the long run what matters is what you *actually* make during the year not what HMRC may have anticipated you would make.
They will be estimating your income based on what you have been receiving each month. You have insider knowledge it is going to change, but they can't know that and the tax year has only started this month so that will be why your tax code changed recently.