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You are here: Home / Save Money / Marriage Allowance – how much can you save?

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Make Every Penny Count: Budgeting tips and tricks to keep more money in your pocket, by Ricky and Naomi Willis

Marriage Allowance – how much can you save?

By Ricky Willis | last updated 7th March 2023

Registration for Marriage Allowance is open, which allows married couples and civil partners to cut their tax bills, saving up to £252 per year!

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Having got married a few years back (I still can’t get over that Skint Mum handmade 1,000 origami cranes!), I didn’t think there was anything else that could make me happy – until I heard about the tax relief!

Now, I didn’t just get married because of the Marriage Allowance; in fact, I didn’t get married because of the tax allowance at all, but it sure is a useful thing!!

It’s simple (which I didn’t think I’d hear myself say about tax!).

If you earn less than £12,570 in the next tax year, you are able to transfer £1,260 of your personal tax allowance (the amount of income you get before you pay tax) to your other half.

Their tax bill will then be reduced by up to £252 per year!

You will be able to transfer £1,260 of your allowance if:

  • you’re married or in a civil partnership
  • you have to have an annual income of less than £12,570 – including pensions, savings and investments
  • your spouse or civil partner has to have an annual income of between £12,571 and £50,270 (or £12,571 and £43,662 in Scotland)

The Marriage Allowance started running on 6 April 2015, and you can apply for it now.

All you need to do to register is enter your name and email.

What’s even better is you only need to apply once, and your spouse or civil partner won’t need to register or apply.

Forgot to apply before?

Don’t worry :)

If you forgot or didn’t know about Marriage Allowance until today, you can backdate your claim to include any tax year since 5 April 2018.

This could mean a few years of back payments, which I’m sure would help!

There are other things you should check to do before the end of the tax year.

It may not be the full £252 that’s saved, and it’s all dependent on individual circumstances, but every little helps, hey?

Are you going to take advantage? Perhaps now is a good time to pop that question and get in those good (accountant’s) books?

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Ricky Willis
Ricky Willis
A little bit of everything at Skint Dad
Ricky Willis is the original Skint Dad. A money-making enthusiast, father, and husband to Naomi. He is always looking for unique ways to earn a little extra.
Ricky Willis
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Comments

  1. Kerry @heartbeingmum says

    27th February 2015 at 7:28 am

    It will be nice for some, but there is still a large swathe of families neglected in the middle, where the main earner earns above the cut-off and the second earner can’t earn much because of childcare. We’re hardly rolling in money, if fact we earn less take home than a family where two work on much lower salaries, but the cost of childcare means my taking on more hours is pointless, even costly. We are also penalised on child benefit. I feel that should be assessed on joint income for fairness.

    Reply

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Ricky and Naomi Willis from Skint Dad

Ricky and Naomi Willis, founders and editors of the Skint Dad website.

We know every penny counts, so we’re sharing resources, tips, tricks, and deals that will keep more money in your pocket.

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Make Every Penny Count by Ricky and Naomi Willis
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    • Frugal living tips
    • How to save money on groceries
    • Save money on energy bills
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    • 1p Saving Challenge
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    • Make money online
    • Best paid surveys
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    • Genuine work from home jobs
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