All perfect praise be to Allah, The Lord of the Worlds. I testify that there is none worthy of worship except Allah, and that Muhammad is His slave and Messenger.
Masturbation of one's own self is not permissible whether a wife likes it or not, and whether she allows it or not. It is also forbidden in the presence of wife and in her absence as well because Allah restricted the way of fulfilling the sexual desire only to wives or slave women, as He mentioned in the Quran.
Allah Says (what means): {And those who guard their private parts. Except from their wives or those their right hands possess, for indeed, they are not to be blamed. But whoever seeks beyond that, then they are the transgressors -} [Quran 70:29-31]
However, it is permissible for a husband and wife to masturbate each other.
For more benefit, please refer to Fataawa 81167, 179859, 376036, and 87952.
Allah knows best.