Marriage Allowance Calculator
Check your eligibility for Marriage Allowance and see your household's actual net tax saving.
✓ You're eligible
Marriage Allowance lets one partner transfer £1,260.00 of their Personal Allowance (10%, rounded to the nearest £10) to a spouse or civil partner who pays tax at the basic rate. Both of you need to be born on or after 6 April 1935 (couples born before this date may benefit more from Married Couple's Allowance instead, which isn't covered by this calculator).
How Marriage Allowance works
Marriage Allowance lets a spouse or civil partner who doesn't use all of their Personal Allowance transfer part of it to a partner who pays tax at the basic rate. The lower earner must have income below the Personal Allowance (£12,570 for 2026/27), and the higher earner must be a basic-rate taxpayer — earning between £12,571 and £50,270. Transferring the allowance typically saves the higher earner up to £252 a year in tax.
There's a detail most simple calculators miss: if the lower earner's income is close to the full Personal Allowance, giving away £1,260 of it can leave them with less tax-free allowance than their income — meaning they start paying a small amount of tax themselves. The couple still benefits overall, just by less than the full £252, and in some cases the benefit can shrink to almost nothing. This calculator accounts for that rather than just quoting the headline figure.