In 2025, you could earn up to £18,570 tax-free by using a smart mix of the Personal Allowance, Starting Rate for Savings, and Personal Savings Allowance. This comprehensive guide explains who qualifies, how to combine the thresholds, and the tools to use—making it easy for retirees, part-time earners, and savers to pay no tax at all. Get expert tips, real-life examples, and official resources to take full advantage of this opportunity.