Marriage Allowance Calculator UK
Find out whether you can claim Marriage Allowance for 2026/27. Enter both partners' incomes to see if one of you can transfer £1,260 of personal allowance to a basic-rate-taxpayer spouse or civil partner, and how much tax it saves your household.
Calculator
What this means
Marriage Allowance lets a non-taxpayer transfer £1,260 of their unused £12,570 personal allowance to a husband, wife or civil partner who is a basic-rate taxpayer. The receiving partner pays tax on £1,260 less of their income, saving up to £252 a year. You qualify only if the lower earner's income is below the personal allowance and the higher earner pays the basic 20% rate (income up to £50,270).
How to use this calculator
- Enter both partners' incomes.
- The calculator checks whether you qualify to transfer allowance.
- See the potential tax saving.
Worked example
One partner earns £10,000 and the other £30,000.
- The lower earner transfers £1,260 of unused personal allowance.
- The higher earner saves 20% of £1,260.
The couple could save up to £252 a year in tax.
Who this is for
- Married couples and civil partners.
- Households where one partner earns under the personal allowance.
- Anyone checking they're not missing this free tax break.
How Marriage Allowance works
Marriage Allowance lets a non-taxpayer transfer £1,260 of their £12,570 personal allowance to a basic-rate-taxpaying spouse or civil partner, cutting the couple's tax by up to £252 a year.
You qualify if one partner earns below the personal allowance and the other is a basic-rate taxpayer. You can usually backdate a claim up to four tax years through HMRC.
Frequently asked questions
For 2026/27 you can save up to £252 a year. The lower earner transfers £1,260 of personal allowance to the higher earner, who then pays 20% less tax on that amount (£1,260 × 20% = £252).
You must be married or in a civil partnership. One partner normally needs income below the £12,570 personal allowance, and the other must be a basic-rate taxpayer (income roughly £12,571 to £50,270). You cannot claim if the higher earner pays the higher or additional rate.
Yes. You can usually backdate a claim for up to four previous tax years if you were eligible, which can be worth over £1,000 in total. Apply free on GOV.UK — you don't need to pay an agency.
Married couples and civil partners where one earns under the £12,570 personal allowance and the other is a basic-rate (20%) taxpayer. It doesn't apply if the higher earner pays higher-rate tax.
Yes. You can usually backdate Marriage Allowance up to four tax years if you were eligible, potentially worth several hundred pounds in total.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, legal or tax advice. Always check official sources or speak to a qualified professional before making decisions.
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