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Marriage tax allowance: Get a tax break worth up to £432
Marriage tax allowance: Get a tax break worth up to £432

Marriage tax allowance: Get a tax break worth up to £432

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.

Top comments

​What a ridiculous attitude. I, like many others, choose to stay home and raise my children. My career is far less important than they are and it will be there should I choose to return. I appreciate that not all people want to or can do this but don't diminish people's choices just because you don't place a value on what they do. I only wish that we could claim all my tax free allowance against my husband's wage!
48 Comments

Only paid if the woman stays at home and does the house work - setting back equality about 4 decades

Is it possible to get a marriage break for tax payers instead?

KentishLad

Only paid if the woman stays at home and does the house work - setting … Only paid if the woman stays at home and does the house work - setting back equality about 4 decades



​No, can work part time, £180pw isn't sitting at home, it's working part-time to fit in around child care or school.
Yes it's a repost and it should be done automatically if they really wanted to assist couples

​What a ridiculous attitude. I, like many others, choose to stay home and raise my children. My career is far less important than they are and it will be there should I choose to return. I appreciate that not all people want to or can do this but don't diminish people's choices just because you don't place a value on what they do. I only wish that we could claim all my tax free allowance against my husband's wage!

Or.

Dont get married and save Thousands!!!!!

And how is this a deal??

Freezing cold.

Well we applied and hot £220 back

this is info op, not a deal, so its going to go cold. you might want to move it.

firstofficer

And how is this a deal?? Freezing cold.



how's it not a deal....

If you don't know about it, you could save £432, same as buying a router/can of baked beans etc... you save money if you aren't aware you can buy them elsewhere cheaper.

you pay your tax, but you're not aware you can save a little extra, within the tax law.

BTW heat added, even though I can't take advantage of this, there are some that will though

KentishLad

Only paid if the woman stays at home and does the house work - setting … Only paid if the woman stays at home and does the house work - setting back equality about 4 decades



Yeah because a I man couldn't possibly do the same job. It's a job for 'the woman'.

Too early in the morning for me to read tosh like this

sunshineandsparkle

​What a ridiculous attitude. I, like many others, choose to stay home and … ​What a ridiculous attitude. I, like many others, choose to stay home and raise my children. My career is far less important than they are and it will be there should I choose to return. I appreciate that not all people want to or can do this but don't diminish people's choices just because you don't place a value on what they do. I only wish that we could claim all my tax free allowance against my husband's wage!


I love your message! You are so right! My wife works but we transferred her tax allowance as I make the most money. However, this was the choice we made before the children were born. If I could afford to stay home I would as well. Being a parent is the best and most important job! Heat added for the reminder.

KentishLad

Only paid if the woman stays at home and does the house work - setting … Only paid if the woman stays at home and does the house work - setting back equality about 4 decades



​how?... the man can stay at home.

If you want to see a proper deal, take a look at my recent pork/bacon/lamb/Quorn threads.. They're all quite hot too!

I'll get my coat.. (I'm gonna need it in here!)

KentishLad

Only paid if the woman stays at home and does the house work - setting … Only paid if the woman stays at home and does the house work - setting back equality about 4 decades



​oh yes and as a married gay couple we can use this perk... so much for setting back equality...

Banned

Give to the richer at the expense of the poorer

BIG FAT COLD

YouDontWantToKnow

Give to the richer at the expense of the poorerBIG FAT COLD



​Wwhhhhaaaattt??? Read the post. It is exactly the OPPOSITE of that.

KentishLad

Only paid if the woman stays at home and does the house work - setting … Only paid if the woman stays at home and does the house work - setting back equality about 4 decades


That's a very sexist attitude, nowhere does it say the woman has to stay home and do the housework, or even that a woman has to be involved. Such a very 1960s attitude from you. You disgust me, sir.

I already knew about this but many don't. it's not well advertised. I've voted got as this could actually be helpful to many people

Banned

sunshineandsparkle

​Wwhhhhaaaattt??? Read the post. It is exactly the OPPOSITE of that.



No its not.

A single person doesnt get the break & pays tax without rebate

IE they are paying for a married couple to get extra cash.

But if you're lucky enough to earn more than the frankly ridiculously low limits then fob off, fend for yourself. Screw the middle classes, there's barely any of them left anyway. Why isn't the entire tax free allowance transferable regardless of income, or at least up to the additional (£150k) band? Wouldn't that be more reasonable?

Not bitter or anything...

(hot though, most of those who qualify can do with all the help they can get)

sunshineandsparkle

​What a ridiculous attitude. I, like many others, choose to stay home and … ​What a ridiculous attitude. I, like many others, choose to stay home and raise my children. My career is far less important than they are and it will be there should I choose to return. I appreciate that not all people want to or can do this but don't diminish people's choices just because you don't place a value on what they do. I only wish that we could claim all my tax free allowance against my husband's wage!



​As does my wife, and all the time we can afford to do that I'm absolutely fine with it. Ignore the muppets.

flintstone

how's it not a deal....If you don't know about it, you could save £432, … how's it not a deal....If you don't know about it, you could save £432, same as buying a router/can of baked beans etc... you save money if you aren't aware you can buy them elsewhere cheaper.you pay your tax, but you're not aware you can save a little extra, within the tax law.BTW heat added, even though I can't take advantage of this, there are some that will though



​Its that very last part of your comment that sets you aside from the cold voting muppets that infest these groups. Don't ever change

ficosaneil

Is it possible to get a marriage break for tax payers instead?



​Post a pic of your missus and I'll see what I can do

YouDontWantToKnow

No its not. A single person doesnt get the break & pays tax without … No its not. A single person doesnt get the break & pays tax without rebateIE they are paying for a married couple to get extra cash.



​it supports families who are struggling with the cost of living - where three or usually more are managing on less than the threshold for higher rate tax.

There is a marriage tax in corporation tax. If each person has their own business then they are associated companies in law and the lower tax band is effectively halved for corporation tax. This can result in a marriage tax.

still not worth it to get married

sunshineandsparkle

​What a ridiculous attitude. I, like many others, choose to stay home and … ​What a ridiculous attitude. I, like many others, choose to stay home and raise my children. My career is far less important than they are and it will be there should I choose to return. I appreciate that not all people want to or can do this but don't diminish people's choices just because you don't place a value on what they do. I only wish that we could claim all my tax free allowance against my husband's wage!


Sadly, there are many mums who stay at home through idleness, and again very sadly the children are probably better off in those cases at a nursery or anywhere else other than at home with a chain smoking mum who does nothing but watch soaps, chat to friends and teach their kids how to use the eff word in many different ways - I live in a small community where everyone knows everyone else, and whilst our children had a stay at home mum who taught them to read and write before starting school, we know several of the sort I previously mentioned..... and when those ones start school, the staff have to concentrate on them and it holds back the education of the more able, a fact admitted in a private conversation with a head teacher.

sergiup

But if you're lucky enough to earn more than the frankly ridiculously low … But if you're lucky enough to earn more than the frankly ridiculously low limits then fob off, fend for yourself. Screw the middle classes, there's barely any of them left anyway. Why isn't the entire tax free allowance transferable regardless of income, or at least up to the additional (£150k) band? Wouldn't that be more reasonable? Not bitter or anything... (hot though, most of those who qualify can do with all the help they can get)


There's one group who slip through the net a bit with all this stuff - those who are self-employed but on a very low income.
What those who work for someone else don't often realise is that working and child tax credits have a maximum amount set, which assumes people earn a certain minimum wage albeit rather low, and of course if you are self employed, there is no lower limit to what you can earn !
Quick example, figures available via online benefits checker - Mum and Dad only one working, with two children, maximum combined working and child tax credits around £800 per month plus housing benefit depending on area.
If you earn over about £400 per month then the amount of benefit is reduced......... but the problem is that if you only earn as little as £200 per month then you cannot get more than the £800, and in addition, housing benefit is usually at least £100 per month less than the actual rent, so those on ultra-low incomes are well and truly stuffed.
Many workers will say they wouldn't get out of bed for £200 per month, but if it's your own business, built up over years which has now declined (due to online shopping for example), and you're in an area with no chance of other work....... not much else to do other than stop work and sit at home.

Just want to say thanks. Have applied, so fingers crossed for a refund. Will come in handy with 3 kids. Would vote hot if I could!

watfordguy

​oh yes and as a married gay couple we can use this perk... so much for s … ​oh yes and as a married gay couple we can use this perk... so much for setting back equality...


I'm afraid I fail to see how a married gay couple can actually have any children conceived between them with no outside involvement - surely the main purpose of marriage is to have children and give them a solid background ?
I know that these days many parents decide not to get married for various reasons, but historically marriage was 'all about' children wasn't it ?
I honestly believe that certain famous pop stars etc are making a mockery of the whole marriage/children issue, and whilst it is not very pc my views will never change....... I have no problem with civil partnerships and do not believe anyone should be attacked because of their beliefs and private practices, but how can two people be allowed to be 'married' when there is no possible way for them to produce a child by natural means as a couple ?
I think the whole thing is ridiculous and is done to win votes.

'can'....'worms'
lefties will be here shortly

popcorn time !

Marrigage is about love, family and children... pure bull...it's all about the religious control of the masses... naff all else

Definitely a deal to me. I am the higher earner as my husband works part time limited hours and earns only about £5k a year. Will get him to apply today. Thanks for sharing op.

Done this for last year and tax code already changed for this tax year to include this allowance so no need to apply for this year. Hope this helps. have some heat :-)

You're married or in a civil partnership (just living together doesn't count).

hate that line right there, it doesnt count when you want a discount for something but it damn sure counts when they can penalise you for it.

KentishLad

Only paid if the woman stays at home and does the house work - setting … Only paid if the woman stays at home and does the house work - setting back equality about 4 decades



​At no point did it say that. Your thoughts are the only problem here. You straight away assume it's a woman at home. Could be the man...or one could only work part time and therefore makes less than £11,000. Don't look for problems in things, your mind will make a problem where there isn't one! This is a good piece of information that will help some people out. Just because it doesn't help you, don't hate on it.

kamenitzabrit

I'm afraid I fail to see how a married gay couple can actually have any … I'm afraid I fail to see how a married gay couple can actually have any children conceived between them with no outside involvement - surely the main purpose of marriage is to have children and give them a solid background ?I know that these days many parents decide not to get married for various reasons, but historically marriage was 'all about' children wasn't it ?I honestly believe that certain famous pop stars etc are making a mockery of the whole marriage/children issue, and whilst it is not very pc my views will never change....... I have no problem with civil partnerships and do not believe anyone should be attacked because of their beliefs and private practices, but how can two people be allowed to be 'married' when there is no possible way for them to produce a child by natural means as a couple ?I think the whole thing is ridiculous and is done to win votes.



​im not going to bother reply as somebody is at my door, I think it's the dark ages calling.

snowflake75

still not worth it to get married



SO cynical.






.


But so bloody right!!!

Gollywood

SO cynical. .But so bloody right!!!



I love my independence with bags of freedom . .. why chain myself down and end up being abused dominayed emotionally.bullied etc..

cburns

Marrigage is about love, family and children... pure bull...it's all … Marrigage is about love, family and children... pure bull...it's all about the religious control of the masses... naff all else


Except that the majority of marriages (72%) are in registry offices. So where's this 'religious control of the masses'?
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