Universal Credit Calculator
Estimate your monthly Universal Credit award, including housing, child elements, and work deductions.
1. About You
2. Children
Note: The 2-child limit applies to children born after 6 April 2017.
3. Housing
4. Income
Estimated Award
Your estimated monthly payment
No login required.
Need more?
This estimate does not include "LCWRA" elements or "Carer" elements. If you are unable to work due to health, your award could be up to £416.19 higher.
Check disability elements →How Your Universal Credit is Calculated
Universal Credit is the primary benefit for UK residents on a low income. It is designed to mimic a single monthly wage, consolidating several older benefits into one payment.
The Earnings Taper
For every £1 you earn from work, your Universal Credit payment is reduced by 55p. This is known as the taper rate. However, some claimants receive a "Work Allowance," which lets them earn a specific amount before the taper applies.
The 2-Child Limit
The DWP generally only pays the child element for the first two children in a family. There are exceptions for multiple births (twins) or if a child was born before 6 April 2017. Our calculator factors this in based on your total child count.
Frequently Asked Questions
What is the Work Allowance?
A Work Allowance is the amount you can earn before your Universal Credit is reduced. You get one if you or your partner are responsible for a child, or have a disability or health condition that affects your ability to work.
When will I receive my first payment?
It usually takes 5 weeks to receive your first payment after you apply. This includes an assessment period of one month and a 7-day payment delay. You can request an "Advance Payment" if you struggle during this time.