Estimate your monthly Universal Credit using 2025/26 standard allowances, child elements and the 55% taper.
Choose your household type
Single under-25, single 25+, couple under-25, or couple 25+. This sets the standard allowance.
Add child and housing elements
Include £339/month for first child born before 6 April 2017 (else £292.81) plus £292.81/month for each additional child under the two-child limit. Add housing costs if renting.
Enter monthly net earnings
Use take-home pay after tax, NI and pension. Use the Take-Home Pay calculator for an accurate figure.
Apply the work allowance
£411/month if your award includes housing; £684/month if not. Only available if you have children or limited capability for work.
Apply the 55% taper
For every £1 of net earnings above the work allowance, your UC is reduced by 55p.
Check savings rules
Savings under £6,000 are ignored. £6,000-£16,000 reduces UC by £4.35/month per £250. Over £16,000 disqualifies you.
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Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.