If you're married or in a civil partnership and one of you earns under the tax-free allowance, you could hand HMRC less tax — up to £252 a year, and up to around £1,260 once you backdate. Millions of eligible couples never claim it. Check in three taps.
Could you claim Marriage Allowance?
Three quick questions. It's worth up to £252 a year — plus up to four backdated years.
Marriage Allowance lets the non-taxpayer transfer £1,260 of their tax-free Personal Allowance to their partner. It's free to claim direct from HMRC.
How Marriage Allowance works
It lets the partner who earns under the Personal Allowance (£12,570) transfer £1,260 of it to the other partner, as long as they're a basic-rate taxpayer. That cuts the taxpayer's bill by up to £252 a year.
Who qualifies
- You're married or in a civil partnership (just living together doesn't count).
- One partner is a non-taxpayer (income under £12,570).
- The other is a basic-rate taxpayer (roughly £12,571–£50,270; slightly different bands in Scotland).
Claim it free — don't pay a middleman
You can apply directly and for free on GOV.UK. Avoid the copycat websites and "refund" firms that take a cut of what is already yours — you never need to pay anyone to claim Marriage Allowance.
Common questions
How much can I get?
Can I still claim if my partner has died?
Does it cost anything to claim?
What if we're not married but live together?
Check the official sources
This is a free estimate to help you decide whether to make a claim — not an offer or a guarantee, and not financial advice. Rules, rates and thresholds change. Always confirm your exact entitlement with the official source before acting.
See what else you're owed
Marriage Allowance is one of the easiest wins going. Our free checker finds the other credits and payments you may be entitled to — in about a minute.
Check everything you're owed →