联合王国的税收规则规定,当利息收入使总收入超过50 270英镑时,降低实得工资,从而惩罚一些储蓄者。 A UK tax rule penalizes some savers by reducing take-home pay when interest income pushes total income above £50,270.

马丁·刘易斯强调了联合王国税收制度的一个缺陷,在这种制度中,赚取略多一点储蓄利息可以降低实得工资。 Martin Lewis has highlighted a flaw in the UK tax system where earning slightly more in savings interest can reduce take-home pay. 当总收入超过50 270英镑时,个人储蓄津贴从1 000英镑降至500英镑,对过剩部分征税40%。 When total income exceeds £50,270, the personal savings allowance drops from £1,000 to £500, triggering a 40% tax on the excess. 挣49 300英镑加1 000英镑利息的人 交500英镑的税, 净额只有800英镑。 Someone earning £49,300 plus £1,000 in interest pays tax on £500, netting only £800. 另一个赚取相同工资但有950英镑利息的人则维持在门槛以下,保留所有免税利息,并带回家950英镑。 Another earning the same salary but £950 in interest stays below the threshold, keeps all interest tax-free, and takes home £950. 尽管赚取的利息减少了50英镑,但他们的净收入却增加了150英镑。 Despite earning £50 less in interest, they gain £150 more in net income. 刘易斯称这一结果是“疯狂的”，并指出收入增加导致净工资降低的情况很少见，尽管它只影响了一小部分人。 Lewis calls the outcome “bonkers,” noting it’s rare for higher earnings to lower net pay, though it affects only a small group.