Useful next calculations
Rates and sources
UK tax rates and thresholds, as published by HMRC. Scotland and Wales have devolved rates for income tax and property transactions.
Source: HMRC — Tax rates. Check the linked guidance and any live quote before acting.
When to use this calculator
- Before accepting a pay change, bonus, pension contribution or salary-sacrifice option.
- When you want a simple take-home estimate before payroll or filing.
- When you are approaching the £100,000 income level and want to see the personal allowance taper.
- When you need to convert between hourly, monthly and annual pay.
A worked example
These are the example figures the calculator opens with.
| Input | Value |
|---|---|
| Lower Earner's Annual Income (£) | £10,000 |
| Higher Earner's Annual Income (£) | £35,000 |
| Backdate Claim (years) | Current year only |
For those figures the calculator returns:
- Annual tax saving: £252.00
- Total with backdating: £252.00
- Allowance transferred: £1,260.00
How to read your results
Annual Tax Saving
Review this figure alongside your gross income so you can understand deductions before the tax year closes. It is a planning estimate, not a filed return.
Method & assumptions
This calculator checks eligibility for the UK Marriage Allowance using 2026/27 HMRC thresholds. The £1,260 transfer is available where the lower earner's income falls below the £12,570 personal allowance and the higher earner is a basic-rate taxpayer (income between £12,570 and £50,270). The annual saving is a fixed £252 — 20% of the transferred amount — because the relief only applies at the basic rate. The backdating feature multiplies the annual saving by the number of tax years selected, covering up to four complete past years plus the current year.
Eligibility is assessed on an all-or-nothing basis: if either income condition is not met, no saving is available. The calculator does not account for years where the higher earner may have paid higher-rate tax, or where other income sources such as rental or dividend income push adjusted income above £50,270. For borderline cases, pension contributions can reduce taxable income and restore eligibility. Always verify your position with HMRC's own eligibility checker before submitting a claim.
Common mistakes
- Entering gross income when you really want take-home pay, or vice versa.
- Ignoring pension contributions, deductions or local tax rules that change the result.
- Comparing monthly and annual figures without standardising them first.
- Overlooking National Insurance or student-loan plan differences that apply to you.
What to do next
- Check the same scenario with related pay or deduction calculators.
- Keep a copy of the assumptions so you can compare the next tax year or pay period.
- If you are self-employed, compare this result with the self-employment tax calculator.
- Check whether a small pension contribution change moves take-home pay more than you expect.