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Universal Credit estimator

An indicative monthly UC estimate using 2025-26 rates. Covers the standard allowance, child element (with the two-child limit), LCWRA, carer element, housing element, work allowance, 55% taper, and the capital rules. It does not apply the benefit cap, third-party deductions, or the Minimum Income Floor — use an official calculator before any decision.

About youYour age and whether you live with a partner.

Your ageI live with a partner (married, civil-partnered, or cohabiting)

ChildrenChildren you are responsible for and live with.

Number of children

Health and caringThese toggle elements that materially change your award.

I have Limited Capability for Work and Work-Related Activity (LCWRA)If a Work Capability Assessment has placed you in the LCWRA group (or you're terminally ill under Special Rules).I care for someone 35+ hours a week who gets a qualifying disability benefit

IncomeMonthly amounts, after tax and National Insurance. Ignore the Universal Credit payment itself — it's what we're calculating.

Your net monthly earnings (wages / self-employed profit) — £

Monthly unearned income (pensions, maintenance, some benefits) — £

HousingWe use rent in the calculation. Owner-occupiers get a support-for-mortgage-interest loan — not modelled here.

Housing situation

Savings and capitalJoint amount if you have a partner.

Total savings and investments — £

£6,000 is ignored. £6,000–£16,000 reduces your award. £16,000+ disqualifies you (with narrow exceptions).

What this calculator doesn't model

The benefit cap (£26,500 / £22,020 / single-person rates, area-dependent).
Transitional protection for households migrating from legacy benefits.
The Minimum Income Floor for self-employed claimants past the 12-month start-up period.
Childcare element (up to 85% of actual costs).
Non-dependant deductions from the housing element.
Advance repayments, third-party deductions, sanctions.

For a full-stack benefit check including UC plus every other benefit you may qualify for, run the triage. For UC rules in depth, read our migration guide or the UC entitlement page.