I have a similar situation in that my wife recently returned to work, but I had her tax credits for the last few years. Her new position only pays about 25k per year, while I would earn about €3,200 net per month. However last month she transferred her tax credit back to herself, and I noticed that my monthly pay was down almost €250 this month, she doesn't get paid until the end of this month, but I can only imagine that her taking her tax credit back, is not going to be worth €250 to her? With that in mind should I just keep her tax credit or what would people advise me to do?