Universal Credit Calculator

Universal Credit Calculator

Estimate a monthly Universal Credit award using the confirmed 2026/27 rates for Great Britain.

e.g. single claimant aged 25 or over

e.g. enter 0 if no child element applies

e.g. choose No when there are no children

e.g. number qualifying for £164.79 each

e.g. number qualifying for £514.71 each

e.g. eligible rent amount, not necessarily full rent

e.g. enter 0 if none

e.g. use only an amount confirmed for your claim

Cannot normally be combined with LCWRA for the same claimant

e.g. earnings used in the assessment period

e.g. combined household capital

e.g. relevant benefits, advance recovery or other deductions

Your estimated monthly Universal Credit

Maximum monthly amount
Earnings reduction
Capital and other deductions
Estimated monthly award

How this Universal Credit estimate works

The calculator adds the 2026/27 household standard allowance and any entered child, disability, housing, childcare and caring amounts. It then applies the earnings taper, any work allowance, capital deduction and other deductions entered.

2026/27 item Monthly amount
Single under 25 £338.58
Single aged 25 or over £424.90
Couple, both under 25 £528.34
Couple, one or both aged 25 or over £666.97
Child element £303.94 per eligible child
Carer element £209.34

For confirmed rates, eligibility rules and application guidance, use the official GOV.UK Universal Credit guide.

Earnings, childcare and savings

If your household has an eligible child or limited capability for work, a work allowance may apply before the 55% earnings taper. The 2026/27 allowance is £427 when a housing amount is included and £710 without one. Eligible childcare support is 85% of registered costs, capped at £1,071.09 for one child or £1,836.16 for two or more.

Savings above £6,000 create a monthly deduction of £4.35 for each £250, or part of £250. Capital above £16,000 normally prevents entitlement. This simplified estimate does not calculate the benefit cap, Minimum Income Floor, transitional protection, sanctions, non-dependant deductions or every special rule.

Related calculators

Estimate employment income through the United Kingdom Salary Calculator. Students can convert academic results with the United Kingdom GPA Calculator. Compare housing support with the Housing Benefit Calculator and childcare support with the Tax-Free Childcare Calculator UK.

Browse more benefits and finance tools on the United Kingdom Calculator homepage.

Important: This tool gives a simplified estimate, not an entitlement decision. Universal Credit depends on your assessment period, full household circumstances and DWP decisions.

Frequently asked questions

How much is the Universal Credit standard allowance in 2026/27?

It ranges from £338.58 monthly for a single claimant under 25 to £666.97 for a couple where one or both are aged 25 or over.

How do earnings reduce Universal Credit?

After any applicable work allowance, Universal Credit is normally reduced by 55p for each £1 of earnings.

How much childcare can Universal Credit cover?

It can cover up to 85% of eligible registered childcare costs, subject to monthly maximums.

Do savings affect Universal Credit?

Yes. Savings above £6,000 can reduce an award, and capital above £16,000 normally prevents entitlement.

Is this result guaranteed?

No. Only an official claim and DWP assessment can confirm eligibility and the payment amount.



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