How to Easily Claim Your £252+ Marriage Tax Allowance

Published on August 17, 2022

Marriage Allowance

Marriage Allowance

Marriage Tax Allowance: A gift from the tax office that too many couples miss out on. This guide simplifies how you can get a tax rebate up to £252 or even more.

For the tax year 2022/23, the allowance is £252, and you can even get back-payments for the last four years, potentially reaching £1,241!

Here's a breakdown of who’s eligible and how to claim your allowance without spending a penny.

What's This Marriage Allowance Anyway?

Most UK earners get a tax-free personal allowance of £12,570. If you earn less than this, you're not using all of your allowance. Imagine if you could transfer some of this leftover tax-free bit to your spouse, and they pay less tax? That’s exactly what the marriage allowance does.

How Much Can You Transfer?

You can shift 10% of your personal allowance to your spouse. That’s £1,257 for the tax year 2022/23. By doing this, you can reduce their tax by £252 (since the basic tax rate is 20%).

Total Possible Claim?

For 2022/23, it's £252. If you backdate the claim, it could be:

  • 2021/22: £251
  • 2020/21: £250
  • 2019/20: £250
  • 2018/19: £238

Add these up with the current year, and you get £1,241.

Who Qualifies?

To claim the marriage allowance, make sure:

  1. You’re married or in a civil partnership.
  2. One of you earns less than £12,570.
  3. The other is a basic rate taxpayer (earns between £12,570 and £50,270).
  4. Both of you were born after 6 April 1935.

In short, one of you shouldn't be paying tax, and the other should be a basic rate taxpayer.

Claiming Your Marriage Allowance

The simplest way to apply is online through the HMRC website.

You’ll need your National Insurance numbers and some ID.

If you hit a snag online or prefer talking, ring HMRC at 0300 200 3300.

Important: The person not paying tax must apply, allowing their unused tax-free allowance to go to their partner.

Back-Claiming for Previous Years

You can claim for past years if you met the conditions during those years. Check the respective year’s allowances to ensure you were eligible.

For instance, for the 2018/19 tax year:

  1. Be married or in a civil partnership.
  2. One earns under £11,850.
  3. The other earns between £11,850 and £46,350.
  4. Both born after April 1935.

After Applying, What’s Next?

You’ll get an email confirmation. Successful claims for the current tax year adjust your tax codes (with 'N' for the non-taxpayer and 'M' for the taxpayer).

For past years, you'll typically receive a cheque.

You won’t need to reclaim each year; it should renew automatically.

Understanding the Benefit: A Quick Example

Without the allowance, a couple with one earning £7,000 and the other £32,000 would pay a total of £3,886 in tax.

With the allowance, their tax drops to £3,634, saving them £252.

If the non-taxpayer earns £12,000, they would still benefit after transferring allowance, saving the couple a combined total of £115.

When Not to Apply

Avoid applying if both of you earn near the personal allowance threshold. If the savings for the taxpayer are less than the tax the non-taxpayer would incur, it's not beneficial.