22-23 Tax Return, t...
 

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22-23 Tax Return, tax on interest?

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As above, completing the said self assessment and have earned more than £1k on interest from savings so would have expected to have to paid the tax on it in this return but it's not taking any tax off for some reason?

I've tried googling but got nowhere.

If the tax isn't being taken off  in this return, would I pay it in next years return?

Thanks


 
Posted : 07/01/2025 7:46 pm
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Is it offsetting against a loss elsewhere? Have you used the rest of your income tax allowance?

Just checking, you aren't counting ISA interest or something are you?


 
Posted : 07/01/2025 7:48 pm
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Tax allowance is already used up, this is just normal (taxable) savings not ISA. Not offsetting either.


 
Posted : 07/01/2025 7:52 pm
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Sharing an allowance/account which pays the interest with a spouse?

How much have you gone over the £1k by?

I'm running out of ideas already...


 
Posted : 07/01/2025 7:57 pm
 edd
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I am not an accountant, so take this with a pinch of salt. I think that assuming you have a job that pays you through PAYE, and the tax you owe from your return is below a certain threshold, they collect the tax by amending the tax code for your PAYE (ie you'll receive a little less in your pay packet as you tax will increase to cover the tax owed for your interest).


 
Posted : 07/01/2025 7:58 pm
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I am not an accountant, so take this with a pinch of salt. I think that assuming you have a job that pays you through PAYE, and the tax you owe from your return is below a certain threshold, they collect the tax by amending the tax code for your PAYE (ie you’ll receive a little less in your pay packet as you tax will increase to cover the tax owed for your interest).

Correct. Received my notification on this yesterday.

Assuming the OP isn't PAYE if he's having to do a tax return?


 
Posted : 07/01/2025 8:05 pm
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Assuming the OP isn’t PAYE if he’s having to do a tax return?

Incorrect assumption


 
Posted : 07/01/2025 8:17 pm
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He could be PAYE and have other income too


 
Posted : 07/01/2025 8:18 pm
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Aren't you a bit late in submitting your 22-23 tax return? lol

Just double checking - you did enter it into the "Untaxed UK interest" field?  That's caught me out before.

Did you pay into a pension?  Although that may only give you tax relief at the higher rate, I can't remember.


 
Posted : 07/01/2025 8:51 pm
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Oops it's for 23-24!

I think I did put it in 'untaxed' actually as I thought that meant gross earnings....

I'll have another go thanks.


 
Posted : 07/01/2025 9:49 pm
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Yes, it needs to go into the untaxed field (you are correct, gross earnings).

As suggested above regarding amending the tax code, I think there is a question along those lines - "Would you like us to collect any unpaid tax via a tax code amendment next year? Y/N"

Although I would still expect the final calculation to show the amount of unpaid tax they wish to collect.


 
Posted : 07/01/2025 10:36 pm

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