Are you married or in a civil partnership? If so you may be entitled to a £432 tax break called the marriage tax allowance. Yet 3.2 million of the 4.2 million eligible couples are still missing out. It's free money, so worth checking.
The marriage tax allowance is a still little-known way for couples to transfer a proportion of their personal allowance (the amount you can earn tax-free each tax year) between them. Here's our quick Q&A on how to get it, plus some key information.
Who can get it? This is the most important factor as only people with these specific circumstances will be able to apply:
You're married or in a civil partnership (just living together doesn't count).
One of you needs to be a non-taxpayer, which usually just means earning less than the £11,000 personal allowance (£10,600 for 2015/16).
The other one of you needs to be a basic 20% rate taxpayer (couples with a higher- or additional-rate taxpayer aren't eligible for this allowance). This means you'd normally need to earn less than £43,000 (£42,385 for 2015/16)
Both of you must have been born on or after 6 April 1935 (if not there's another tax perk).
The marriage tax allowance started on 6 April 2015, and in year 1 was worth £212. For the new tax year starting in April 2016, it's worth £220. Plus claim it now and it's backdated so many get last year's AND this year's allowance – £432.
If there's a problem doing it via the web just call 0300 200 3300 and do it by phone.