Marriage Allowance

5 Min Win

Marriage Allowance — The Easiest £252/Year

Tom works full-time earning £35,000. His wife Laura is on maternity leave earning nothing this year. Tom goes to gov.uk/marriage-allowance and applies. Laura transfers £1,260 of her unused Personal Allowance to Tom. His tax bill drops by £252. It took 5 minutes.

Even better: they can backdate the claim up to 4 years. That's up to £1,258 as a one-off payment. It arrives as a cheque or adjustment to Tom's tax code. They had no idea this existed until a colleague mentioned it at lunch.

£1,258one-off backdate
Plus £252/year ongoing
CapyPay Top Tips
  • One partner must earn under £12,570 and the other must be a basic-rate taxpayer (not higher rate)
  • Apply even if the low earner has some income — they just need to be under the Personal Allowance
  • Backdate immediately — you can claim for any of the last 4 tax years where you were eligible
  • It auto-renews each year until you cancel, so set it and forget it
  • If one partner is retired or on parental leave, this is often available and overlooked

→ Action: Apply at gov.uk/marriage-allowance right now. It takes 5 minutes.

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