Free tool
How much Universal Credit could you get?
A quick estimate using the 2026/27 rates — the standard allowance, the elements added on top, and what your earnings and savings take back off.
No sign-up, no email, nothing stored. It runs in your browser and we never see a thing you type.
💷 Estimate your Universal Credit
A quick indication using the 2026/27 rates. Nothing is sent anywhere or stored.
An estimate, not a decision. It uses the 2026/27 rates but cannot see your full circumstances: the housing element is capped by the Local Housing Allowance for your postcode and bedroom entitlement, and the benefit cap is not included. Only DWP can tell you what you will actually be paid.
How an award is actually built
Universal Credit is not one figure. It is a standard allowance plus elements, minus what your earnings and savings take back. Understanding the parts is what lets you sanity-check anything DWP tells you.
- Every 2026/27 rate — standard allowances, child, health and carer elements.
- The work allowance — how much you can earn before anything is taken off, and why it differs depending on whether you get help with rent.
- The 55% taper — what happens to each pound you earn above that.
- Savings and capital — the £6,000 and £16,000 thresholds.
- When payments land — by bank, and what happens at weekends.
Might you be missing something else?
Universal Credit is one of many things that go unclaimed. Attendance Allowance is not means-tested and huge numbers of eligible people have never heard of it, and Council Tax Reduction is run separately by every council.
🔎 What might you be missing?
Billions in benefits go unclaimed every year — mostly because people never knew they existed. Tick anything that applies.
A prompt, not an assessment. It flags what is worth looking into based on what you ticked — it does not decide whether you qualify. Nothing you tick is sent anywhere or stored. For a full independent calculation covering every benefit, entitledto and Turn2us are both free.
Questions people ask
How much Universal Credit will I get?
It starts with a standard allowance set by your age and whether you claim as a single person or a couple — between £339 and £667 a month for 2026/27. Elements for children, housing, a health condition or caring are added on top, then earnings and savings reduce the total.
Can I get Universal Credit if I'm working?
Yes. Plenty of working households qualify, particularly with children, rent to pay or a health condition. Earnings reduce the award through the taper rather than ending it outright, so it tapers away gradually as you earn more.
How much can I have in savings?
Savings under £6,000 are ignored completely. Between £6,000 and £16,000 a tariff income of £4 a month is assumed for every £250, reducing the award. Above £16,000 you cannot normally claim at all.
Does the two-child limit still apply?
No. It was removed on 6 April 2026, so a child element is now payable for every child you are responsible for rather than just the first two. Existing claimants had the change applied automatically. The benefit cap can still limit the total for larger families.
How accurate is this estimate?
It uses the current rates and the same arithmetic DWP uses, but it cannot see your full circumstances. The housing element is capped by the Local Housing Allowance for your postcode and bedroom entitlement, which no single input can capture, and the benefit cap is not modelled. Treat it as a well-informed ballpark rather than a decision.
Rates as at 2026/27, verified against GOV.UK. An estimate rather than a decision — only DWP can tell you what you will be paid. Universal Credit uprates each April.