Marriage Allowance explained

Although most people marry for love, and without wishing to sound horribly unromantic, there are also financial benefits to getting hitched.

One of these is the opportunity (if you’re eligible) to reduce your income tax bills. If you’re married or in a civil partnership, you may be eligible to apply for one of two benefits; Marriage Allowance or Married Couple’s Allowance. Individual circumstances such as how much you each earn and when you were born, will determine your eligibility.

Marriage Allowance

If you’re married or in a civil partnership, you may be able to transfer up to 10% of your personal allowance for 2019/20 to your partner. The personal allowance this tax year is £12,500, which means you can transfer £1,250.

You could be eligible for Marriage Allowance if:

  • You’re married or in a civil partnership and are not currently receiving Married Couple’s Allowance.
  • One of you is not liable to pay tax because you earn less than the personal allowance of £12,500, whilst the other is a basic rate tax payer, earning between £12,501 and £50,000.
  • You were born after 6 April 1935. Anyone born before this date may be able to claim Married Couple’s Allowance instead.

If eligible, the partner who earns the least will be able to transfer £1,250 to their partner, who will have £1,250 added to their personal allowance, giving them a new personal allowance of £13,750. This will reduce their tax by up to £250 in the tax year.

The partner receiving the transfer will usually have their tax code changed to ‘M’, to show they are receiving Marriage Allowance from their spouse. If the partner who made the transfer is employed, then their tax code will change to ‘N’, to show that they chose to use the Marriage Allowance.

If you think you may be eligible for Marriage Allowance, you can apply to HMRC online, or by phone on 0300 200 3300.

Making a Marriage Allowance claim for previous years

You can back date claims for Marriage Allowance by up to four years. However, you must meet the criteria for each year that you wish to receive Marriage Allowance for. And it’s important to remember that the threshold for non-tax payers and basic rate taxpayers is different according to the tax year you’re claiming for, so your allowance may not be the same every year.

Claiming Marriage Allowance if your partner has died

You can still apply for Marriage Allowance if your partner died after 2015 and you meet the other criteria for Marriage Allowance.

Under these circumstances, you’ll be applying for a backdate of the benefit, so you’ll get the benefit as if you had applied for it from April 2015. The benefit amount will be worth up to £1,150 but you can only get payments for the years which you were both alive.

Married Couple’s Allowance

Couples who were born before 6 April 1935 may be able to claim the Married Couple’s Allowance rather than the Marriage Allowance. This means that the highest earner in the couple will receive 10% off their income tax.

If you got married before 5 December 2005, it will be the husband’s income that will be used to work out how much Married Couple’s Allowance you’ll receive – although this can be transferred to the wife. For any couples who got married after this date, it will be the income of the partner with the highest earnings which will be used to calculate the benefit amount.

Although the highest earner will get 10% off their income tax, there are upper and lower limits for the amount of tax relief that can be claimed and for how much can be earned. This means that for the tax year 2019/20  you could cut your tax bill by between £345 and £891.50. 

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