Is pension relief guaranteed at my top tax rate?
Relief depends on scheme type, payroll treatment, age-related limits, and earnings caps. Treat outputs as planning estimates.
Why do pension settings differ between employers?
Some contributions are deducted before tax via payroll, while others may be claimed differently. Employer setup can change the result.
What should I compare alongside this scenario?
Compare the change in net pay and the contribution amount going into the pension. Your preferred trade-off depends on goals, liquidity needs, and limits.