>> Indeed, although state pension is tax free, its taken out of your taxable allowance. Your
>> reduced taxable allowance means you pay more on your other pensions.
It's not tax free, just paid gross. As you say it eats into the Personal Allowance so there's less of that to be applied to other income.
As things stand my Civil Service pension uses all of my Personal Allowance and the tax code for my Citizens Advice Salary is BR. When my State Pension kicks in after another 6 years that will be taxed at 20% too, presumably by an adjustment to the code applied for my CS pension.
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