HMRC is unable to comment on any form of calculation, example or scenario as we may not be in possession of all the relevant information.
The HMRC Customer Forum is for general queries only and is intended to help our customers self-serve and it is not possible to check individual tax records through this forum. For queries relating to your personal tax situation or tax code please contact our helpline please contact our helpline.
Customers with more complex enquiries often engage the services of a professional advisor or accountant and this may be something you wish to consider.