Marriage Tax Allowance Checker
See if your household might qualify for a tax allowance transfer.
Enter your incomes
Protect your partner
If you rely on a shared income, joint life cover keeps financial plans secure for both of you.
Explore Life InsuranceMarriage tax allowance checker guide for UK couples
WeCovr's marriage tax allowance checker helps UK couples estimate eligibility, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. WeCovr also supports private medical insurance UK planning, while this guide explains allowance basics.
What this marriage tax allowance checker estimates
The checker compares partner incomes to estimate whether a personal allowance transfer may apply.
It is a simplified guide and does not cover every tax scenario.
Checks likely eligibility for the transfer.
Highlights the potential annual saving.
Provides a quick household check.
Why income bands matter
The allowance transfer is typically limited to couples where one partner is a non-taxpayer and the other is within the basic rate band.
Why WeCovr supports household planning
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
Data sources and guidance references
This guide references HMRC guidance on Marriage Allowance eligibility.
Eligibility snapshot
| Lower earner | Higher earner | Eligibility | Notes |
|---|---|---|---|
| Below allowance | Basic rate band | Likely | Typical qualifying case |
| Below allowance | Higher rate band | Unlikely | Income too high |
| Both basic rate | Both basic rate | Unlikely | No transfer needed |
Related WeCovr resources
FAQs
Can unmarried couples claim this?
No. The allowance is for married couples and civil partners only.
How much can we save?
Savings vary each year, but HMRC publishes the current maximum.
Is the transfer permanent?
No. You can cancel it if your circumstances change.
Do we need to apply?
Yes. One partner must apply for the transfer via HMRC.