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問題 · 2026-10-12
銀行利息低於免稅額毋需報稅；超過£10,000通常須登記Self Assessment。
如果你的銀行利息收入低於個人儲蓄免稅額，則毋需申請UTR或進行自我報稅[1][2]。基本稅率納稅人每年免稅額為£1,000，較高稅率納稅人為£500，額外稅率則無免稅額[2]。銀行通常會將應繳稅款通知HMRC，由PAYE系統自動調整稅額[1]。只有當利息收入超過£10,000，或你因其他原因需要填寫報稅表時，才必須透過Self Assessment申報[1][3]。ISA利息一般免稅[4]。建議定期查看稅務局發出的P800稅單以確認稅務狀況。
Multi-AI Truth Synthesis Engine
How you'd like to be notified when a job is ready.
Your account is shared across Consensable and Consensise. Deleting it permanently removes your data on both products. This cannot be undone.
If you change your mind, and your account will remain intact.
Pay for what you use. No hidden fees.
Prices in USD, excl. tax. Local currency and applicable taxes calculated at checkout.
| Feature | Free | Plus | Pro |
|---|---|---|---|
| Usage | |||
| Monthly credits | 300 | 3,000 | 13,200 |
| Privacy | |||
| Private questions | — | ✓ | ✓ |
| Citations in articles | — | ✓ | ✓ |
| Answer length | |||
| Short | ✓ | ✓ | ✓ |
| Medium | — | ✓ | ✓ |
| Long | — | ✓ | ✓ |
| Custom length (write mode) | — | ✓ | ✓ |
| AI Models | |||
| Presets available | Fast | Fast, Balanced & Thinking | Fast, Balanced & Thinking |
| Custom model set | — | ✓ | ✓ |
| Developer | |||
| API access | — | — | ✓ |
| Webhook support | — | — | ✓ |
Credits are how Consensable measures AI usage. Each query consumes credits based on the models used, discussion rounds, and whether web search is enabled.
1 credit = $0.001 AI cost. Credits map directly to real AI model usage costs.
Free credits expire after 1 month. Paid credits last 1 year (monthly plans + top-ups), or 3 years on annual plans. Buy more or upgrade at any time.
You'll always see exactly how many credits a query used and how many you have remaining.
Need more mid-month? Buy credit packs any time. Packs: 3,000 for $5.99 · 13,200 for $23.99.
Submit as many queries as you like. Each tier unlocks larger AI panels and longer outputs. Save ~17% with annual billing.
Prices in USD, excl. tax. Local currency and applicable taxes calculated at checkout.
| Feature | Starter | Essential | Premium |
|---|---|---|---|
| Usage | |||
| Queries | Unlimited | Unlimited | Unlimited |
| AI Panels | |||
| 3-AI panel | ✓ | ✓ | ✓ |
| 4-AI panel | — | ✓ | ✓ |
| 5-AI panel | — | — | ✓ |
| Custom panel (pick models) | — | — | ✓ |
| Answer length | |||
| Short | ✓ | ✓ | ✓ |
| Medium | — | ✓ | ✓ |
| Long | — | — | ✓ |
| Custom | — | — | ✓ |
| Privacy | |||
| Public results | ✓ | ✓ | ✓ |
| Private results | — | ✓ | ✓ |
| Queue priority | |||
| Queue | Standard | Priority | Super |