Tax Calculator

Marriage Allowance Calculator 2025/26

Over 2 million married couples are missing out on the Marriage Allowance — a free tax break worth up to £252/year. You can also backdate claims up to 4 years, potentially worth over £1,000. This calculator checks your eligibility and calculates your total refund.

Your Situation

Are you married or in a civil partnership? Lower earner's annual income (£) Must be below the personal allowance (£12,570) Higher earner's annual income (£) Must pay Income Tax (basic rate only — not above £50,270) Which tax year did you marry (or first became eligible)?

Your Marriage Allowance

Total tax saving (incl. backdating)

£0

£0/year going forward

Eligible?

—

Annual saving

£0

Years you can backdate

Backdated refund

£0

Total (backdate + current year)

£0

Who applies?

—

How to Claim Marriage Allowance

The lower earner applies online at gov.uk/apply-marriage-allowance. The transfer is made automatically and your tax codes are updated by HMRC. Backdated claims result in a tax refund paid by cheque or bank transfer to the higher-earning partner. The claim takes around 2 months to process.

Watch out for scam websites that charge a fee to claim Marriage Allowance. HMRC's own service at gov.uk/apply-marriage-allowance is completely free. Scam sites sometimes take a percentage of your refund as a "fee" — they do nothing you cannot do yourself for free.

Marriage Allowance vs Married Couple's Allowance

If one or both partners was born before 6 April 1935, you may instead qualify for the Married Couple's Allowance — a more generous relief. Check with HMRC or a tax adviser.