dave siu

The guidance states: "If your income for the tax year 6 April 2023 to 5 April 2024 was less than £12,570, excluding up to £6,000 in tax-free savings interest..." I’m unsure if this means: Total income exceeding £12,570 disqualifies me from claiming Marriage Allowance, regardless of savings interest? OR if my total income, after deducting up to £6,000 in tax-free savings interest, is still below £12,570, I may still be eligible. Additionally, if I select "Yes" to claim Marriage Allowance, the next question asks: "Was your total income less than £12,570 (plus up to £6,000 tax-free savings interest) and your spouse/civil partner's income below the higher rate (£50,270, or £43,662 if they pay Scottish Income Tax)?" If my total income is £14,000, including £10,000 of savings interest, and my spouse’s income is below the higher rate threshold, would I still answer "Yes" because my taxable income is below £12,570 after deducting the £6,000 interest? Finally, I’d like to clarify if “tax-free interest” exclusively refers to interest earned in ISAs or similar accounts. If the £10,000 interest comes from a regular retail bank savings account, would it still be considered tax-free for the purposes of this calculation? I want to ensure I correctly understand the criteria and how to respond.