Marriage Allowance Calculator — Save Up to £252 in Tax
Calculate your Marriage Allowance transfer benefit. See if you qualify to transfer £1260 of your Personal Allowance to your spouse and save £252 in tax.
Marriage Allowance lets you transfer £1260 of your Personal Allowance to your husband wife or civil partner if they earn more than you. The lower earner must earn less than the Personal Allowance (£12570) and the higher earner must be a basic rate taxpayer (earning under £50270). The transfer saves the couple £252 per year in tax. You can also backdate claims for up to 4 years potentially receiving a £1000+ lump sum.
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Key Information
| Parameter | Details |
|---|---|
| Transferable Amount | £1260 of Personal Allowance |
| Annual Tax Saving | £252 per year |
| Backdate Claim | Up to 4 years (£1008 total) |
| Eligibility (lower earner) | Income below £12570 |
Calculate Marriage Allowance
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Use Calculator NowFrequently Asked Questions
Do we qualify for Marriage Allowance?
You qualify if: one partner earns less than £12570 (including stay-at-home parents part-time workers and pensioners with small state pensions) and the other partner earns £12571-£50270 (basic rate taxpayer). You must be married or in a civil partnership — cohabiting couples do not qualify. Couples where the higher earner pays higher rate tax (40%) cannot claim.
How to claim Marriage Allowance?
Apply online at gov.uk/marriage-allowance. You need both partners National Insurance numbers. The lower earner applies to transfer their allowance. HMRC adjusts the higher earner tax code to reflect the additional £1260 allowance. The change usually takes effect within weeks. You can also backdate to April 2020 receiving a lump sum refund of up to £1008.
Is Marriage Allowance worth claiming?
At £252/year it is a modest saving but it is completely free money with no cost or risk. Backdating 4 years gives an immediate £1008 lump sum. Over a 30-year marriage that is £7560 in savings for a 10-minute online application. There is no reason not to claim if you qualify. Set a reminder to reconfirm eligibility each year.
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Last updated: March 2026