8 Things You Should Know About Married Couples Tax Allowance

The age-related Married Couple’s Allowance is an amount that HM Revenue & Customs (HMRC) take off your tax bill.  Here are eight things you need to know about this tax allowance.

1. If you were married before 5 December 2005, are living together and at least one spouse was born before 6 April 1935, the husband can claim Married Couple’s Allowance.

HMRC reduce your tax bill by 10 per cent of the Married Couple’s Allowance to which you’re entitled. The actual amount depends on the husband’s income.

2. If you are married on or after 5 December 2005 or are in a civil partnership and living together and at least one spouse or partner was born before 6 April 1935, the person with the higher income can claim Married Couple’s Allowance.

HMRC reduce the claimant’s tax bill by 10 per cent of the Married Couple’s Allowance to which he or she is entitled. The actual amount depends on the income of the spouse or civil partner with the higher income.

3. If you are a taxpayer and gift money to a UK charity via the Gift Aid scheme, you should let HMRC know.  This will have the effect of reducing your income when calculating your allowances.

4. You receive 10 per cent of the Married Couple’s Allowance amount, which changes every tax year.

5. To claim Married Couple’s Allowance you should write to or call your tax office.  You will need to provide details of your marriage/civil partnership ceremony and spouse/partner.

6.  If your tax bill is not high enough to use up all of your Married Couple’s Allowance, or if you pay no tax, you can transfer any unused allowance to your spouse or civil partner if they pay tax.  You should use form 575, entitled ‘Notice of transfer of surplus Income Tax allowances’.

7.  If one of you dies, or if you separate or the marriage or civil partnership dissolves, you will get the Married Couple’s Allowance you are due for that tax year.

8.  You are also able to share the minimum Married Couple’s Allowance between you.  Alternatively, if you both agree, you can choose to transfer the whole of the minimum Married Couple’s Allowance to your spouse or civil partner.  You do this by using form 18 entitled ‘Transferring the Married Couple’s Allowance’.

5 comments

  1. scott sloan says:

    been married since 2003 both on low income but dont know if we should be claiming married couples allowance or would this actually hinder us please help

  2. Maurice Cragg says:

    My wife doesn`t earn enough to pay tax. WQe were born after 1936. can I use her allowance

  3. moleboheng says:

    how to handle your husband when he is weak,can’t stand up for you?

  4. on behalf of someone says:

    what happens to the marrage allowance if the wife is sent into a home, is there something to be done?
    can the allowance still be claimed?

  5. anyonymous says:

    can I claim the married persons allowance for 2005/2006 even though I am now divorced

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