Working Out Tax On Savings Interest

I understand the following applies to me because I get less than £12570 from my private pension which about £10,000 pa. "In theory for 2024/25 you could have £18.570 of tax free income, being £12,570 Personal Allowance, £5,000 0% Starting Rate and £1,000 Personal Savings Allowance, but this is only going to apply to someone with Savings Income – interest – of more than £6,000, and other income such as pension or wages, of less than £12,570 – somewhat hypothetical." My State Pension is due on the 8th Oct 24 which means my income for the whole tax year will be approx £15000 for whole tax year 6th April 23 - 6th April 24. But at what point will I Iose my £5000 0% Starting Rate ? Will it end on the 8th Oct 24? If yes, will interest on my savings paid after 8th Oct 24 only be able to use the £1000 Personal Savings Allowance? How would I work out the tax I owe for my savings interest when my State Pension kicks in mid year?

Hi HUMBUG,
For details on the starting rate and personal savings allowance:
Tax on savings interest
Thank you. 
 

Dear Admin 25 I have already read the details on your link before I posted my question. Your link doesn't seem to provide any clear details of the rules for working out what starting rate I will need to use when one's 'other income' changes in mid financial year. All I need is an answer to the below , but if you cannot provide me with one, who do I need to contact? If at the start of the financial year 6th April 2024 my other income is less than £12570 , I am assuming I have a starting rate of tax of £5000. On the 8th October 2024 I can apply for my State Pension which will be approx £10582 per year. This means my 'other income' would be 12570+10582 = £23152 pa Therefore I am assuming that for the period 6th April - 8th Oct 24 any interest I receive from savings will can be offset against a starting rate tax of £5000. After the 8th October 24 does that starting rate of £5000 still continue until the end of the financial year 5th April 2025? or After the 8th October 24 , my other income £23152 will be greater than £17570 (ie. it says on your website :You’re not eligible for the starting rate for savings if your other income is £17,570 or more) therefore I am assuming any savings interest I received from 8th Oct 24 - 5th April 25 will need to be taxed at basic rate 20%. Can you please advise if anyone from HMRC is able to provide me with an answer?

Hi HUMBUG,
If your other income will be over £17570 for 2024/25 then you will not be entitled to the starting rate of £5000 but would receive the personal savings allowance £1000. 
Thank you.