1. Calculating tax and National Insurance

Paying National Insurance

When you reach State Pension age you stop paying National Insurance.

Paying tax

You only pay Income Tax if your taxable income - including your private pension and State Pension - is more than your tax-free allowances (the amount of income you’re allowed before you pay tax).

You must contact HM Revenue & Customs (HMRC). if you think you should be paying tax.

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