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If you're 64 or under your tax free allowance (the amount you're allowed to earn before paying any tax) is £6,475.

When you reach 65 this allowance can rise to £9,490 depending on how much income you have coming in from a pension, savings or employment. At age 75 this allowance rises again to £9,640.

However, you aren't automatically moved onto the new tax code as your age changes. HM Revenue and Customs say this is because they don't always know your age unless you've told them or shown your date of birth on a tax return or claim form.

So it pays to make sure you're on the right tax code - otherwise you could end up paying too much tax - and no-one wants to do that.

We introduced six X-Ray viewers to Graham Lewis, a retired taxman who worked for the Inland Revenue for 44 years. Since retiring 10 years ago Graham has worked for the national charity Tax Help For Older People which secures rebates of over £300,000 per annum.

Graham alone has helped numerous pensioners with their tax returns and has managed to secure tax rebates totalling £40,000 - £50,000.

A group of pensioners spent an hour going over their accounts with Graham with some good results.

Graham noticed that there was a discrepancy between Frank's tax coding from the Inland Revenue and that from his pension provider. He told Frank to get in touch with his pension provider as he could be due some money back if they had indeed made a mistake.

Graham's eagle eyes spotted that Doreen may have been paying too much tax on her interest from savings. She'd been paying tax at 20% instead of 10% and Graham thought this should net her £175 back from the taxman.

And finally we came to Maureen. Graham immediately picked up that she was on the wrong tax code and had been since retiring over three years ago.

After a couple of calculations Graham delivered the good news that not only could she be paying £50 per month less tax from now on, but she could also be due a whopping £1000 rebate in overpaid tax.

Maureen's already planning her holiday!

It makes sense to be on the right tax code. The rules are simple. If you're 65 or over and your income from a pension, savings or job are less than £22,900 a year then you may be eligible for a higher tax allowance.

You can find out more information from the following places:

• - and click on the link for Money, Tax and Benefits.
• - This is the website for Tax Help For Older People. Or you can speak to one of their advisors on 0845 601 3321
• - find out where your local Citizens Advice Bureau is and call in to speak to an advisor