Pension trick could stop you paying tax to HMRC and make £665 a year

People about to claim their state pension may find themselves suddenly paying a large amount of tax thanks to the personal allowance remaining frozen at £12,570 a year, while the state pension continues to rise due to the triple lock. But a tax expert has explained how you could avoid paying the tax - and boost your pension by hundreds of pounds a year in the process.

You could even take advantage if you have started claiming your pension already.

The personal allowance is the amount of income you can earn - from work, pensions, rental income, businesses, investments and side hustles - without paying tax. But as state pension income will now bring you £11,502 a year, you would need only an additional £1,068 from a part-time job, selling goods online or renting out a room to force you into paying tax.

Your pension could even push you into a higher tax bracket if you have significant earnings.

Harvey Jones told the Express the freeze on personal allowance is place until the 2027/28 tax year. But there is one option to avoid tax that may be suitable for those approaching retirement, reports the Express. Research from retirement specialist Just Group reveals that one in four Britons are unaware that they are not required to draw their state pension when they reach 66.

Instead, they have the option to defer drawing their pension and receive a larger amount when they eventually decide to take it. Deferring the state pension won't be the right choice for everyone. The vast majority of retirees need every penny they can get and will claim their pension as soon as possible.

However, for those with other sources of income, deferring can bring significant tax benefits. Initially, deferring your state pension might mean forgoing