Whether you need to claim extra pension tax relief comes down to one thing: how your pension applies relief. Here's how to tell which system you're in — and what it means.

HMRC lets you backdate pension tax relief claims by up to four tax years. If you're a higher-rate taxpayer who hasn't claimed, the total owed is often larger than expected.

Carry forward lets you use unused pension allowance from the past three tax years to make larger contributions. Here's how the rules work, the conditions that must be met, and where it gets complicated.

The annual allowance caps how much can go into your pension and attract tax relief. Here's what the £60,000 limit covers, how the taper works for high earners, and what to check before you claim.