{"id":3465,"date":"2018-08-10T10:00:41","date_gmt":"2018-08-10T10:00:41","guid":{"rendered":"http:\/\/my-brains.co.uk\/jackross\/?p=3465"},"modified":"2018-08-03T10:19:30","modified_gmt":"2018-08-03T10:19:30","slug":"the-marriage-allowance-explained","status":"publish","type":"post","link":"https:\/\/my-brains.co.uk\/jackross\/the-marriage-allowance-explained\/","title":{"rendered":"The marriage allowance explained"},"content":{"rendered":"<h2><span style=\"color: #980100;\">How to make this tax break work for you<\/span><\/h2>\n<p>Millions of married couples and civil partners in the UK are eligible for the marriage allowance, but take-up has remained subdued since the tax break came into force on 6 April 2015.<\/p>\n<p>Almost half of the UK\u2019s eligible couples failed to claim their slice of \u00a31.3 billion in marriage allowance cash in 2016\/17, with many couples either unaware of the tax break or forgetting to claim it.<\/p>\n<p>It\u2019s designed for couples where one partner pays the basic rate of income tax and the other is a non-taxpayer.<\/p>\n<p>More than four million married couples and 15,000 civil partners are eligible to claim a tax break worth up to \u00a3238 in 2018\/19, but how do you go about it?<\/p>\n<h3><span style=\"color: #980100;\">Marriage allowance entitlement<\/span><\/h3>\n<p>Whichever person doesn\u2019t pay tax can choose to reduce their personal allowance by \u00a31,190 in 2018\/19 and transfer it to their husband, wife or civil partner.<\/p>\n<p>It\u2019s possible for the taxpaying spouse or civil partner to increase their tax-free personal allowance to \u00a313,040 in 2018\/19.<\/p>\n<p>You may benefit from the marriage allowance if:<\/p>\n<ul>\n<li>your spouse or civil partner has elected to reduce their personal allowance for the tax year and transfer it to you<\/li>\n<li>you are a basic rate taxpayer in 2018\/19<\/li>\n<li>you meet the residence requirements and have the right to claim a personal allowance<\/li>\n<li>neither you nor your partner submits a claim to the married couple\u2019s allowance (MCA) in 2018\/19.<\/li>\n<\/ul>\n<p>You can only benefit from one tax reduction in any tax year.<\/p>\n<h3><span style=\"color: #980100;\">Elderly exclusion<\/span><\/h3>\n<p>You may have noticed the exclusion of the MCA for elderly taxpayers in the list above, although this is only available to people born before 5 April 1935.<\/p>\n<p>In cases where both the marriage allowance and the MCA are available, it is usually preferable to claim the MCA.<\/p>\n<p>The MCA provides a potential tax deduction of between \u00a3336 and \u00a3869.50 a year, while the maximum benefit from the transfer of the marriage allowance in 2018\/19 is restricted to \u00a3238.<\/p>\n<h3><span style=\"color: #980100;\">Personal allowance<\/span><\/h3>\n<p>As long as you\u2019re married or in a civil partnership with the same person for the whole or part of the tax year at the time the claim is made, you can choose to reduce your personal allowance.<\/p>\n<p>You must also only be liable to pay income tax at the basic rate, dividend nil or ordinary rate or the basic or starting rate for savings after your personal allowance has been reduced by the transfer.<\/p>\n<p>You must elect to use the marriage allowance within four years after the end of a tax year, and it will remain in force until you give notice to withdraw it.<\/p>\n<p>However, an election made after the end of a tax year applies only to the year of election.<\/p>\n<p>This is the easiest way for us to operate the allowance for you, as it can be made when your tax return is prepared and once we know your income and your partner\u2019s for 2018\/19.<\/p>\n<h3><span style=\"color: #980100;\">Separation and divorce<\/span><\/h3>\n<p>If you and your spouse or civil partner separate between the end of a tax year and the date your tax return is due, there\u2019s a slight chance you\u2019ll lose your eligibility for the marriage allowance.<\/p>\n<p>Cancelling the marriage allowance normally takes effect from the next tax year unless the marriage or civil partnership has come to an end through:<\/p>\n<ul>\n<li>divorce (decree absolute)<\/li>\n<li>order of judicial separation<\/li>\n<li>decree of nullity<\/li>\n<li>in the case of a civil partnership, a dissolution order, order of nullity or order of separation.<\/li>\n<\/ul>\n<p>In these circumstances, the withdrawal of the marriage allowance can be backdated to the start of the tax year.<\/p>\n<h3><span style=\"color: #980100;\">Death of a partner<\/span><\/h3>\n<p>If a spouse or civil partner dies, it\u2019s possible to make a backdated claim for the marriage allowance providing the deceased spouse or civil partner was eligible for it when they were alive.<\/p>\n<p>A claim can be made for any tax year in which you were both alive, including the tax year of death, although no claim can be made thereafter.<\/p>\n<h2><span style=\"color: #980100;\">How does it work?<\/span><\/h2>\n<h3><span style=\"color: #980100;\">Working part-time<\/span><\/h3>\n<p>Tom\u2019s on an annual salary of \u00a316,000 and is married to Isobel, who works part-time and earns \u00a35,000 a year.<\/p>\n<p>Isobel elects to reduce her personal allowance, which is transferred when Tom claims the marriage allowance. The benefit is 10% of the personal allowance rounded up to the next \u00a310.<\/p>\n<p>So the transferable amount is \u00a31,190 in 2018\/19, giving a tax saving of \u00a3238. This transfer does not impact on Tom\u2019s national insurance contributions.<\/p>\n<h3><span style=\"color: #980100;\">Dividends income<\/span><\/h3>\n<p>Dicky is a director who pays himself an annual salary of \u00a38,000 and receives a dividend payment of \u00a330,000. His spouse, Katie, earns \u00a310,000 a year.<\/p>\n<p>Katie elects to reduce her personal allowance, enabling Dicky to submit a claim and increase his personal allowance by \u00a31,190.<\/p>\n<p>As Dicky\u2019s dividend income is taxed at 7.5%, the tax saved is \u00a31,190 x 7.5% = \u00a389.25.<\/p>\n<h2><span style=\"color: #980100;\">Complications<\/span><\/h2>\n<h3><span style=\"color: #980100;\">Non-residential spouse<\/span><\/h3>\n<p>If your spouse or civil partner is a non-UK resident, but hails from the European Economic Area (EEA), an extra restriction requires the transferee\u2019s annual income to be less than the personal allowance.<\/p>\n<h3><span style=\"color: #980100;\">Scottish rate of income tax<\/span><\/h3>\n<p>Scotland introduced additional rates of income tax for 2018\/19 that do not apply anywhere else in the UK, including the intermediate rate of 21% tax on income between \u00a324,001 and \u00a343,430.<\/p>\n<p>Married couples in Scotland can continue to receive the allowance, despite the introduction of these new income tax bands.<\/p>\n<p>The only noticeable difference is that the transfer of the allowance isn\u2019t possible for income tax bands that exceed \u00a343,430 in Scotland \u2013 despite the basic-rate threshold in the rest of the UK stretching further to \u00a346,350.<\/p>\n<p>Income from dividends and savings are not liable for the Scottish rate of income tax, so Westminster\u2019s basic-rate threshold and 20% rate applies.<\/p>\n<h3><span style=\"color: #980100;\">Brexit<\/span><\/h3>\n<p>Less than a year before the UK is due to leave the EU an additional concern surrounds whether or not the UK retains membership of the EEA.<\/p>\n<p>Should the UK withdraw from the EEA, the marriage allowance may be made redundant if your spouse or civil partner comes from an EEA nation.<\/p>\n<p>The EEA countries comprise all 28 member states of the EU plus Liechtenstein, Norway and Iceland.<\/p>\n<p><em>We\u2019re happy to advise on the above, please feel free to call us on 0161 832 4451 or drop us a line\u00a0<a href=\"mailto:mail@jackross.co.uk\" target=\"_blank\" rel=\"noopener\">mail@jackross.co.uk<\/a>.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to make this tax break work for you Millions of married couples and civil partners in the UK are eligible for the marriage allowance, but take-up has remained subdued since the tax break came into force on 6 April 2015. Almost half of the UK\u2019s eligible couples failed to claim their slice of \u00a31.3&hellip;&nbsp;<a href=\"https:\/\/my-brains.co.uk\/jackross\/the-marriage-allowance-explained\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">The marriage allowance explained<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":3467,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":""},"categories":[5],"tags":[225,111],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The marriage allowance explained - 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