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Universal Credit Calculator

Last updated: April 2026

Important Universal Credit disclaimer

This is an estimate only. UC entitlement depends on many individual factors not captured here. Always verify using the official gov.uk calculator or speak to a benefits adviser before making decisions.

Household

Children And Health

Do you have a disabled child?

Do you have limited capability for work?

Income, Childcare And Housing

GBP

Eligible childcare up to 85% covered. Costs must be with a registered provider.

GBP
GBP

Are you renting?

Full rent calculation requires your LHA rate. This estimates based on your actual rent.

GBP

Maximum UC

Standard allowance£393.45
Child element£0.00
Disabled child element£0.00
LCWRA / LCW element£0.00
Childcare (85%)£0.00
Housing element£800.00
Maximum UC£1,193.45/month

Income Deductions

Your combined earnings£0.00
Work allowance£0.00
Earnings above allowance£0.00
Taper (63%)-£0.00
Capital deduction-£0.00
Estimated UC£1,193.45/month

Benefit Cap note

The Benefit Cap may limit your total UC if your household benefits exceed GBP 442.31/week in London or GBP 332.84/week outside London. Single people without children have lower limits. This calculator does not apply the benefit cap.

Universal Credit is complex

Free, confidential benefits advice is available from Citizens Advice.

Find a benefits adviser

What is Universal Credit?

Universal Credit is a monthly payment to help with living costs if you are on a low income, out of work, or cannot work. It replaces six older benefits including Housing Benefit, Tax Credits and income-related Jobseeker's Allowance.

How does earning affect Universal Credit?

If you have children or limited capability for work, a Work Allowance lets you keep some earnings before UC starts to reduce. Above the allowance, UC reduces by 63p for every GBP 1 earned.

What savings can I have and still claim Universal Credit?

Savings above GBP 16,000 usually mean you cannot claim Universal Credit. Between GBP 6,000 and GBP 16,000, tariff income is assumed at GBP 4.35 per GBP 250 above GBP 6,000, reducing your payment.

Related calculators:

- Child Benefit Calculator

- Take Home Pay Calculator

- Mortgage Affordability Calculator

What does this mean?

This calculator is designed to help you understand the likely number before you make a decision or start an application.

Your result should be checked against official UK guidance, especially if your circumstances include dependants, exemptions, prior leave, or a complex immigration history.

Treat the figure as a planning tool rather than legal advice. Where the answer affects an application deadline or major payment, speak to an authorised adviser.

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