KSMA Chartered Certified Accountants & Tax Advisors

"HMRC owes you £1,242 – and you might not even know it!"

Emma and Jack had no idea they were missing out on free money.

Emma worked part-time and earned £11,000 a year. Jack, on the other hand, earned £35,000 as an employee.

One day, Emma mentioned their finances to me, wondering if there were any ways to save on tax.

I asked her one simple question:
"Have you claimed Marriage Allowance?"
She looked confused. She had never even heard of it.

But 4.2 million couples are already benefiting from this simple tax-saving measure.

Here’s what I told her:

✅ Because Emma earned below the personal allowance (£12,570), she could transfer £1,260 of her allowance to Jack.

✅ That meant Jack’s tax bill dropped by £252 a year!

✅ Even better – they could claim for the past 4 years… getting a £1,242 refund!

A quick application on GOV.UK, and within weeks, the money was back in their account.

Jack and Emma used the refund for a weekend getaway. All because of a tax break they didn’t even know existed.

👉 If one of you earns under £12,570, and the other earns under £50,270 (£43,662 in Scotland), you could be owed this money too.