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  • FIRST POST
    • IR7819
    • By IR7819 13th Jan 19, 9:10 PM
    • 1Posts
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    IR7819
    Married tax allowance
    • #1
    • 13th Jan 19, 9:10 PM
    Married tax allowance 13th Jan 19 at 9:10 PM
    My wife's basic income before tax is above the tax free threshold but after allowing for pension contributions is less than 10k. Based on this will I be able to claim the married tax allowance as I am a basic rate tax payer? Thanks in advance for any help with this.
Page 1
    • Dazed and confused
    • By Dazed and confused 13th Jan 19, 9:16 PM
    • 4,279 Posts
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    Dazed and confused
    • #2
    • 13th Jan 19, 9:16 PM
    • #2
    • 13th Jan 19, 9:16 PM
    You cannot, under any circumstances, "claim" Marriage Allowance.

    Your wife would be eligible to apply providing she isn't a higher rate payer.

    You would be eligible to receive Marriage Allowance providing you aren't a higher rate payer.

    Whether you both, as a couple, would benefit overall depends entirely on your wife's taxable income and how that income is made up I.e. wages, pension, interest, dividends etc.

    She could in theory have taxable income of more than 16k and apply and still not have any extra tax to pay.

    On the other hand if her taxable income was just 10900 but all wages or pension she would make herself pay tax by applying. But as a couple you would be better off overall as your tax reduction would be more than her tax bill.

    Figures above relate to the current tax year.

    A very important point is the type of pension contribution she is making. If it is relief at source she might have a problem, if it's net pay and her P60 or payslips reflect the lower "taxable" pay figure she might be ok.

    But a lot of guesswork with the limited info provided so far.
    Last edited by Dazed and confused; 13-01-2019 at 9:24 PM.
    • polymaff
    • By polymaff 14th Jan 19, 3:52 PM
    • 2,590 Posts
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    polymaff
    • #3
    • 14th Jan 19, 3:52 PM
    • #3
    • 14th Jan 19, 3:52 PM
    Similar issues being debated in this thread:

    https://forums.moneysavingexpert.com/showthread.php?p=75315442
    Last edited by polymaff; 14-01-2019 at 4:07 PM.
    • polymaff
    • By polymaff 14th Jan 19, 3:55 PM
    • 2,590 Posts
    • 1,168 Thanks
    polymaff
    • #4
    • 14th Jan 19, 3:55 PM
    • #4
    • 14th Jan 19, 3:55 PM
    ...as I am a basic rate tax payer.
    Originally posted by IR7819
    You cannot, under any circumstances, "claim" Marriage Allowance.
    Originally posted by Dazed and confused

    Unless you're questioning the term "claim", couldn't he? In some circumstances it might even make sense to do so.
    • Dazed and confused
    • By Dazed and confused 14th Jan 19, 11:11 PM
    • 4,279 Posts
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    Dazed and confused
    • #5
    • 14th Jan 19, 11:11 PM
    • #5
    • 14th Jan 19, 11:11 PM
    I meant he couldn't, as the person wanting to receive Marriage Allowance, initiate a claim in the first place.

    Other than ask his wife nicely I suppose!
    • polymaff
    • By polymaff 15th Jan 19, 9:29 AM
    • 2,590 Posts
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    polymaff
    • #6
    • 15th Jan 19, 9:29 AM
    • #6
    • 15th Jan 19, 9:29 AM
    I look forward to a circumstance when BOTH parties elect for MAT.


    Can't see anything in the legislation which bars it - and it could be quite a money-maker, especially to those with dividend income actually taxed at basic rate.
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