Estimated income by Gov - how is calculated?

I do not understand my estimaed PAYE income for 24-25. I have been retired since 2019 and paid no tax to date. I only have the state pension plus some savings interest (which will easily be under the £5000 + £1000 savings allowances). HMRC is now estimating that I will have to pay £193 tax on £965 of income, I cannot work out where does this figure comes from! Help\advice please

Hi Christine Hicks,
It may be that your state pension is above the personal allowances of £12570 so tax will be due at 20% on the amount above this.
Thank you.

No, I only have the standard state pension of £11502.40, it doesn't look like the other savings allowances are being taken into consideration. How does this work please?

Hi,

As we would need to access your record to review the tax code, you will need to contact our Income Tax team.

Income Tax: general enquiries

Thank you.

Easier said than done, I tried for 50+ minutes to call HMRC before I resorted to posting on the community forum. Is there a "special" number I should ring or maybe email to contact the Income Tax team?

Hi Christine H,
You can also contact us by webchat.
Go to:
Understand your Self Assessment tax bill
And click 'Ask HMRC Online'.
Thank you.