If was wondering if someone might be able to help me with a query please? I might be in a position to pay a lump sum into either the teachers pension or my AVCs with the Pru. I know I can carry over unused annual allowances from the previous 3 tax years. However I am a bit confused by this from the citizens advice website... "You can't receive tax relief on contributions in excess of your earnings in a tax year" So would this mean that if I had, say, £30,000 unused allowance from the three previous tax years but I don't earn anything in this tax year would it mean I cannot claim any tax relief at all even though I have unused annual allowance? The situation is that I may, or may not, receive a small settlement from my school but if I do it won't be until next tax year and I will not have any earnings in 2019-20 so I am unsure if I can pay the settlement as a lump sum into one of my pensions. I hope I have made sense!