Charity tax relief

[mowglika]

My DH is an additional rate taxpayer and I am basic rate, we pay around £3k plus to charities annually. We’ve never kept records or bothered submitting details to HMRC - can anyone explain how this works, and if there’s any benefit to the either of us in keeping records and submitting to HMRC.

Also if it’s worth doing in my name or in his, the gift aid options just seems to add on 20% to the donation.

Presumably he’s doing a tax return so he’d get tax relief on the charity gifts at his marginal rate. He’d need support in case his tax return was checked.

He should be the one making the donations but he has to actually do it to claim

There’s no benefit from you doing anything.

Thanks, yes he does a tax return every year anyway, just wanted to know if it was worth keeping details of donations, sounds like it might be, will also shift them all over in his name, thanks!

OMG yes it will be. You get 20% tax going to the charity via gift aid, but if you also set it against additional rate tax you will get 20% back through his tax return. Why give away free money to the taxman?