Married or civil partnership
Are you one of the 2 million couples missing out?
Check your eligibility for Marriage Allowance in under a minute.
Marriage Allowance calculator
Check if you're one of the ~2 million couples missing out — 2026/27 rates
Eligible?
✓ Yes
Both conditions are met
Annual saving
£252
if you claim this year
Possible total with backdating
£1,260
up to 4 years backdated + this year
2026/27 figures: transfer amount £1,260, annual saving £252 (frozen until 2028). Scotland uses a different higher-earner ceiling because of its separate tax bands. This is an eligibility estimate — apply at gov.uk/marriage-allowance to actually claim.
Marriage Allowance lets the lower-earning partner transfer £1,260 of their unused Personal Allowance to the higher earner, cutting the higher earner's tax bill by up to £252 a year. HMRC estimates around 2 million eligible couples have never claimed it — and you can backdate a claim up to 4 previous tax years, worth up to £1,008 on top of this year's saving. The lower earner makes the claim, not the higher earner, and it takes about 10 minutes online at gov.uk.
Frequently asked questions
How much can you save with Marriage Allowance?
Up to £252 a year, and you can backdate a claim up to 4 previous tax years, worth up to £1,260 in total.
Who is eligible for Marriage Allowance?
The lower earner needs an income of £12,570 or below, and the higher earner needs to be a basic-rate taxpayer (up to £50,270 in England, Wales and Northern Ireland, or a lower threshold in Scotland).