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what is the difference between calculation of incuring an annual allowance charge and one without incurring annual allowance charge but why does it put without incurring an annual allowance charge in this question Padma became a member of a personal pension scheme on 6 april 2012 and has made gross personal pension contributions as follows 2012/13 £23000 2013/14 £40000 2014/15 £45000 Padma’s tax adjusted trading income in the tax year 2015/16 is £300000 What is the maximum gross personal pension contribution that Padma can make in the tax year 2015/16 without incurring an annual allowance charge?