Self Assessment - total income

rayc333_2

Just submitted my 2025/6 self-assessment. I noted that my personal pension gross amount is shown in the HMRC calculation which takes me over the £35k threshold for total income (and hence questions about heating allowance claw back). I expected my total income to include what I actually received from my person pension i.e. after being taxed each month. Maybe I'm misunderstanding something?

sheramber

https://forums.moneysavingexpert.com/discussion/6663557/self-assessment-total-income

Total income is your gross income before tax and NIC is deducted.

Albermarle

It also includes saving interest ( all of it, including the personal savings allowance part)

uknick

Total taxable savings interest is taken into account, so ISAs or any other tax-free or tax exempt savings should be excluded.

cc123mm456

See the MSE article… Winter Fuel Payment - What counts as income…

https://www.moneysavingexpert.com/utilities/winter-fuel-payment/#:~:text=What%20counts%20as%20%27income%27%20for%20the%20%C2%A335%2C000%20a%20year%20threshold%3F

littlemoney

I had thought the same thing. I now know why I have been asked to repay. Need to find out how to opt out of winter heating allowance.

Albermarle

Do you live in England, Wales or Northern Ireland? - Opt out of Winter Fuel Payment – GOV.UK

littlemoney

Thanks. I have opted out.