Ian

I receive a state pension, a local government pension and have substantial savings in a SIPP. I am trying to work out how much monthly income I can drawdown my SIPP and keep me in the 20% tax band, that is, keep my total pensions income for 2024/25 below £50,270. If from my other non-ISA savings I get interest over the £1,000 tax free savings allowance during 2024/25, which is a distinct possibility, is that excess interest added to the income from my pensions, that is, it would then take me into the 40% tax band and also at the same reduce my savings tax free allowance to £500 (and therefore incur even more additional income tax payable), or are any the excess savings interest charged separately at 20% provided my total pensions income is below £50,270? I would be grateful for advice on this matter.