UK Marriage Allowance Calculator 2024/25
Check if you qualify for Marriage Allowance — transfer £1,260 of Personal Allowance and save £252 per year. Backdate up to 4 years for a potential £1,008+ refund.
Both Partners' Incomes
Marriage Allowance Result
Come utilizzare UK Marriage Allowance Calculator
Check eligibility
You must be married or in a civil partnership. One partner must have income below £12,570 (Personal Allowance). The other must be a basic-rate taxpayer (income £12,571-£50,270).
Enter both incomes
Enter the annual income for both partners. The lower earner is the one who will transfer £1,260 of their unused Personal Allowance to the higher earner.
Claim online
Apply at GOV.UK using the lower earner's details. The transfer is automatic for subsequent years. You can backdate up to 4 tax years.
Tax code update
The higher earner's tax code changes to include 'M' (e.g. 1383M). The lower earner's code changes to include 'N'. HMRC updates payroll automatically.
Suggerimenti
- You can claim Marriage Allowance online in minutes at GOV.UK — you just need your National Insurance numbers and dates of birth.
- Remember to cancel the transfer if the lower earner's income increases significantly (e.g., returning to work after a career break).
- Widows/widowers can claim for the year of bereavement — check the GOV.UK guidance for deceased spouse rules.
- If you have been married for several years and never claimed, you could receive a lump-sum refund for up to 4 backdated years (~£1,008).
Domande frequenti
How much is the Marriage Allowance worth?
The Marriage Allowance is worth exactly £252 per year (2024/25). This is because £1,260 is transferred and taxed at 20% = £252 saving. It has remained at this level as the personal allowance has been frozen.
Can I backdate my Marriage Allowance claim?
Yes, you can backdate up to 4 tax years. For 2024/25 this means you can claim for 2023/24, 2022/23, 2021/22, and 2020/21 — a potential total of £1,008+ in refunds (rates varied slightly in earlier years).
What happens if circumstances change?
If the lower earner's income increases above £12,570, or if the higher earner becomes a higher-rate taxpayer, you should cancel the Marriage Allowance via GOV.UK. Failure to do so could result in an unexpected tax bill.
Does Marriage Allowance affect State Pension or benefits?
No. Marriage Allowance only affects Income Tax calculations. It does not affect National Insurance, State Pension, tax credits, Universal Credit, or any other benefits.