Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

My mum tops up my wages for me, should I declare this to someone?

10 replies

Confused92739572 · 26/08/2025 13:36

I earn minimum wage and work 22 hours a week due to having mobility issues i physically cannot work anymore.
We do not claim any benefits whatsoever apart from the normal child benefit that everyone gets.
My mum gives me £300 cash a month so that i have a bit more money on top of my low wage. I pay this into my account.
I dont earn enough to pay tax but with this extra £300 I suppose i would to pay just a little.
Also my father wants to gift me £5000 later this year which i will also pay into my account.
Would i be better off just keeping this as physical cash?
Im not trying to get out of paying any tax due , just not sure if these monthly payments will flag up somewhere?

OP posts:
littlebilliie · 26/08/2025 13:39

There is no tax on gifts

SkyGod · 26/08/2025 13:41

The £300 isn't earned income, so doesn't have to be declared to HMRC. Likewise, neither is the gift of £5000, though were your father to die or need paid for care in the next years, then that may be looked at in the calculations for payment. Again, not your direct issue.
if your mobility issues are preventing you from working, it will probably be worth applying for Personal Independence Payment. You can check your entitlement to all help here

Benefits Calculator - entitledto - independent | accurate | reliable | www.entitledto.co.uk

Check what benefit entitlement you are entitled to. The entitledto benefits calculator will check which means-tested benefits you may be entitled to e.g. tax credits, universal credit, housing benefit …

https://www.entitledto.co.uk/

Tay596 · 26/08/2025 13:42

No tax on gifts. You're all good. Don't have £5000 hanging around in cash! Put it in the bank.

Confused92739572 · 26/08/2025 13:54

Thank you. I was worrying about it that they would think im working cash in hand or something and paying in monthly amounts. It can be proven its from a family member if asked.
I am currently being assessed for pip. Have my telephone assessment tomorrow

OP posts:
LIZS · 26/08/2025 14:04

£300 per month would fall with gifts and not be liable for tax as long as from the donors income. There are annual allowances for gifts being iht free and for specific purposes. https://www.gov.uk/inheritance-tax/gifts

How Inheritance Tax works: thresholds, rules and allowances

Inheritance Tax (IHT) is paid when a person's estate is worth more than £325,000 when they die - exemptions, passing on property. Sometimes known as death duties.

https://www.gov.uk/inheritance-tax/gifts

JurassicPark4Eva · 26/08/2025 14:08

PIP is not means tested, your income is irrelevant.

Mumofoneandone · 26/08/2025 14:40

Good luck with your pip interview, they can be pretty grulling. If there is any possibility of changing it to a video call, that might help you......

MisseyLurker · 26/08/2025 15:25

.

MarxistMags · 26/08/2025 15:29

? ? ?

Chewbecca · 26/08/2025 22:10

LIZS · 26/08/2025 14:04

£300 per month would fall with gifts and not be liable for tax as long as from the donors income. There are annual allowances for gifts being iht free and for specific purposes. https://www.gov.uk/inheritance-tax/gifts

This link is about if IHT is due if your parents passed away.

It's different to 'is any income tax due on the money you receive from your parents' - the answer to that is no.

People have a habit of referencing IHT rules as 'limits' to amounts people can gift which is not accurate. There are no limits. But there are amounts which would become taxable IF your parent passed within set time periods AND their estate (considering the gifts too) was liable to IHT (which many are not).

New posts on this thread. Refresh page