I read the posts often but this is my first ever post - here goes. I am thinking of starting AVC’s. I am planning on retiring at age 60 in August 2022, 3 years from now. I am a transition member with NPA of 65 for Final salary and NPA of 68 for Average salary. I have savings of £65,000 but recently read on this forum about AVC’s as a good way to use tax relief. I am thinking of using AVC’s to live on for the 5 year gap from 60 to 65 so that I only start my final salary pension at my NPA, (as to not incur any AAB on it). I understand that unfortunately I will have to take my average salary pension at the same time which will have 2 years AAB applied but I cannot wait another 2 years until I am 67. I have 15 years and 54 days teachers’ pension to date. I currently earn £38,500 per year (20% tax bracket) and I want to pay into AVC’s the most that I can without incurring any extra tax, (i.e. take advantage of the tax relief). I have tried to calculate how much I can pay in per year as AVC from my pay and I have come up with the figure of £15,960 a year for the next 4 years. Does anyone know if I have calculated this correctly? I would really appreciate any thoughts on this as i am thoroughly confused now having had many conversations with HMRC, TP, Prudential and various free financial advice services. Thanks in advance.