Get an extra £212 by using Govt's Marriage Allowance Scheme
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Get an extra £212 by using Govt's Marriage Allowance Scheme

52
Found 9th Nov 2015
It's astonishing to think not many people are made aware of this. In simplest terms, the lower earner in your marriage or civil partnership transfers their tax-free allowance to the higher earner (10,600 - 42K) which means the extra allowance gives you £212 per annum.
Please refer to the link where you will find all the relevant information in more simplest terms.
The whole process is seamless (how many times can you say that about HMRC) and takes less than 5 mins (provided you have all the information).
Enjoy!

just to clarify, you can transfer 10% of their Personal Allowance, so that's £1060
- loofer

Not applicable to long term relationships (with or without Kids) as checked over the phone with HMRC – Thank-you Newbold
- kinell
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    52 Comments
    Doesn't this only apply to those earning less than the minimum tax threshold?

    EDIT: Yes. Only applies if you or your partner earns less than £10,600 per annum.
    Edited by: "SJHan" 9th Nov 2015
    So both have to be earning less then the personal allowance?
    If not then can a stay at home parent give there allowance to the working parent or do both have to be working/ earning?
    TIA
    *than
    *their
    Oops
    My understanding is that if you have a couple then one of you has to earn less than the threshold (£0 - £10,600)
    i.e. they are not using all of their personal allowance. This would include non earners such as stay at home parents I would guess.

    While the other has to earn over the threshold up to a maximum of 43k (between £10,600 - £43,000).
    Edited by: "2000mph" 9th Nov 2015
    gazEE

    So both have to be earning less then the personal allowance?If not then … So both have to be earning less then the personal allowance?If not then can a stay at home parent give there allowance to the working parent or do both have to be working/ earning?TIA



    ​I'm a house parent with no earnings so I transferred to my husband. It was pretty easy to do too
    Original Poster
    smithy_0007

    ​I'm a house parent with no earnings so I transferred to my husband. It w … ​I'm a house parent with no earnings so I transferred to my husband. It was pretty easy to do too



    Same here. My wife is looking after our little one so she transferred hers to me.
    Similar to us - my wife works part time and is a carer, but even then, swapping the tax allowance over made sense to us.
    smithy_0007

    ​I'm a house parent with no earnings so I transferred to my husband. It w … ​I'm a house parent with no earnings so I transferred to my husband. It was pretty easy to do too



    Thanks
    Good for those where the higher earner is still in the 20% tax band, not so for those (families) who have only one source of income and the breadwinner who falls under the higher tax band.
    pothole

    Good for those where the higher earner is still in the 20% tax band, not … Good for those where the higher earner is still in the 20% tax band, not so for those (families) who have only one source of income and the breadwinner who falls under the higher tax band.


    Not rocket science, but rocket science to scientists who devised tax schemes where 2x£25000 pay less tax than 1x £50000+ 1X£0.
    Edited by: "splender" 10th Nov 2015
    House parent....rotfl....you PC nerds are funny....
    Easy money. Thanks very much!!
    Likely2

    House parent....rotfl....you PC nerds are funny....


    They might be on a phone or a tablet...not all people use PCs to access this site
    Original Poster
    Likely2

    House parent....rotfl....you PC nerds are funny....



    What's so funny about being a house parent? Enlighten me, please!
    jamal432

    see if this helps … see if this helps https://www.tax.service.gov.uk/marriage-allowance-application/benefit-calculator/



    You need to put the lowest income at the top.. Took me a sec to work that bit out as it's not clear
    Original Poster
    DAMNOME

    You need to put the lowest income at the top.. Took me a sec to work that … You need to put the lowest income at the top.. Took me a sec to work that bit out as it's not clear



    No, you don't. You need to put yours and your spouse's income in the respective fields.
    NomiKaay

    What's so funny about being a house parent? Enlighten me, please!


    I think it's the term he's referring to, not the concept
    If you're a co. director like me then just add your partner to the books and get their whole £10600 tax allowance, plus it keeps their state pension going. (rules are changing next april though)
    Edited by: "jaydeeuk1" 10th Nov 2015
    Can this be easily reversed, should the need arise?
    lukeo44

    I think it's the term he's referring to, not the concept



    House Spouse, surely?
    Original Poster
    iwannamotorbike

    Can this be easily reversed, should the need arise?



    Yes, it's pretty straightforward.
    So if I earn 44k I'm not entitled to this with the missus not working?
    NomiKaay

    No, you don't. You need to put yours and your spouse's income in the … No, you don't. You need to put yours and your spouse's income in the respective fields.



    I believe DAMNOME is correct. The calculator uses the scenario "if you transferred your Personal Allowance to your spouse or civil partner" so for it to work the field for "Your annual income" must be the lower figure or you will receive the message "You are not eligible for marriage allowance. The transferor income is more than £10,600.".
    Sorted thanks OP
    you would have to pay me a LOT more than that to marry my other half
    Likely2

    House parent....rotfl....you PC nerds are funny....



    At least nobody has used the word 'unwaged' yet.
    NomiKaay

    Yes, it's pretty straightforward.


    yeah, ya spend 18 months trying to tell them to change it back, which they ignore, and then do you £20k for tax evasion........

    But it's OK, speak to your MP, he'll put it on his expenses.
    Edited by: "andiejn" 10th Nov 2015
    What are they paying for a divorce, I know a bunch of people who would go for that
    done mine few months ago then i get a tax bill from 3yrs ago for £485 underpaid maybe its bad luck maybe its a clever system to weed out us penny pincher's, mine was because i changed jobs and the new employer didnt use my p45
    liam1989

    So if I earn 44k I'm not entitled to this with the missus not working?



    Correct if you earn over £42,385 you are not entiled to it another way to tax the hardworking married couples - Dont get me started please
    Would be great but getting married costs too much!
    goretex

    Correct if you earn over £42,385 you are not entiled to it another way to … Correct if you earn over £42,385 you are not entiled to it another way to tax the hardworking married couples - Dont get me started please



    Please do because it comes across as selfish to me
    I knew the government was scheming!!
    CardboardCutout

    Please do because it comes across as selfish to me


    selfish to be expected to be treated fairly and equally? o_O
    CardboardCutout

    Please do because it comes across as selfish to me



    I am not being selfish it is wanting a level playing field!

    Why should a family with two parents both erning £49,999.00 each total £99,999,98 be entitled to full child benefit yet a family with one member earning £50,000 the other eaning nothing have a reduction imposed ??

    Why should a married couple not be entitled to a married couples allowance of £212 ??

    Why should a multimillionare be entiled to a winter fuel allowance and a free bus pass ??

    Lots of questions that will get the peoples backs up and depending upon peoples

    a) married status
    b) income
    c) age
    d) political views

    I have worked very hard to get to where I am and I do not mind paying my way if it helps others. I give back to my country in taxes, as a Scout leader, I take part charity events for Christies and Cancer research the list goes on.

    I understand people have different backgrounds and abilities being the farther of two disabled children that probably will need state help in the furture.

    What I do not like are the people that do not want to contribute and just take because it is there to be taken.


    Edited by: "goretex" 12th Nov 2015
    Original Poster
    goretex

    I am not being selfish it is wanting a level playing field! Why should a … I am not being selfish it is wanting a level playing field! Why should a family with two parents both erning £49,999.00 each total £99,999,98 be entitled to full child benefit yet a family with one member earning £50,000 the other eaning nothing have a reduction imposed ??Why should a married couple not be entitled to a married couples allowance of £212 ??Why should a multimillionare be entiled to a winter fuel allowance and a free bus pass ??Lots of questions that will get the peoples backs up and depending upon peoplesa) married statusb) incomec) aged) political viewsI have worked very hard to get to where I am and I do not mind paying my way if it helps others. I give back to my country in taxes, as a Scout leader, I take part charity events for Christies and Cancer research the list goes on.I understand people have different backgrounds and abilities being the farther of two disabled children that probably will need state help in the furture. What I do not like are the people that do not want to contribute and just take because it is there to be taken.



    Great comment and totally agree with you.

    I am in the same boat as you (although I am eligible for his scheme). I believe this should have been available to a 'married' couple rather than a '20% paying married' couple.

    As my career progresses, I see myself ineligible for this in a couple of years. So I would be deemed ineligible by being paying more tax.
    goretex

    I am not being selfish it is wanting a level playing field! Why should a … I am not being selfish it is wanting a level playing field! Why should a family with two parents both erning £49,999.00 each total £99,999,98 be entitled to full child benefit yet a family with one member earning £50,000 the other eaning nothing have a reduction imposed ??Why should a married couple not be entitled to a married couples allowance of £212 ??Why should a multimillionare be entiled to a winter fuel allowance and a free bus pass ??Lots of questions that will get the peoples backs up and depending upon peoplesa) married statusb) incomec) aged) political viewsI have worked very hard to get to where I am and I do not mind paying my way if it helps others. I give back to my country in taxes, as a Scout leader, I take part charity events for Christies and Cancer research the list goes on.I understand people have different backgrounds and abilities being the farther of two disabled children that probably will need state help in the furture. What I do not like are the people that do not want to contribute and just take because it is there to be taken.



    Ahh I get you now!
    Thanks so much for posting this!

    Hi I'm home wife, my husband only earn £5k per year, so I'm not qualify for this

    The website states 'You are not eligible for Marriage Allowance. To be able to transfer your Personal Allowance to your spouse or civil partner they must have an annual income of between £10,601 and £42,385'

    stuarthanley

    Doesn't this only apply to those earning less than the minimum tax … Doesn't this only apply to those earning less than the minimum tax threshold?EDIT: Yes. Only applies if you or your partner earns less than £10,600 per annum.


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