略微多赚一点储蓄利息可以降低实得工资,因为英国的税收门槛问题。 Earning slightly more in savings interest can lower take-home pay due to a UK tax threshold quirk.

个人金融专家马丁·刘易斯(Martin Lewis)揭露了英国的税务反常现象,在这种反常现象中,赚取略多的储蓄利息可以减少接近50 270英镑高税率门槛线的人的净收入。 Personal finance expert Martin Lewis has exposed a UK tax anomaly where earning slightly more in savings interest can reduce net income for those near the £50,270 higher-rate tax threshold. 当收入超过这一水平时,个人储蓄津贴从1 000英镑下降到500英镑,从而导致对利息征收更高的税。 When income exceeds this level, the personal savings allowance drops from £1,000 to £500, triggering higher taxes on interest. 因此,赚取1 000英镑的利息,同时赚取49 300英镑,可导致200英镑的税收,仅剩下800英镑。 As a result, earning £1,000 in interest while making £49,300 can lead to £200 in tax, leaving only £800. 将利息减至950英镑,使总收入维持在门槛值以下,使950英镑的全额收入保持免税状态,从而增加了150英镑的实得工资。 Reducing interest to £950 keeps total income below the threshold, allowing the full £950 to remain tax-free—resulting in £150 more take-home pay. 这种反直觉的结果影响到一个狭窄的群体,但揭示了税法在结构上的不一致。 This counterintuitive outcome affects a narrow group but reveals a structural inconsistency in the tax code.