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Universal Credit estimator

An indicative monthly UC estimate using 2026/27 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. See the full set of validation cases this calculator passes at test scenarios.