Universal Credit and savings calculators
Universal Credit is paid monthly to people on a low income or out of work. How much you get depends on who lives with you, your rent, your take-home pay and your savings.
From 6 April 2026 the two-child limit no longer applies, and new claims for the health element are paid at a lower rate than before.
- Universal Credit calculatorHow much UC you get if you earn a set amount, with the work allowance and 55% taper.
- Benefits savings limit calculatorHow savings affect UC, Pension Credit and Housing Benefit.
Key figures for 2026/27
| Single, 25 or over | £424.90 a month |
|---|---|
| Couple, one or both 25 or over | £666.97 a month |
| Each child | £303.94 a month |
| Taper rate | 55% |
| Savings limit | £16,000 |
Checked 25 October 2026. See all 2026/27 benefit rates with sources.
Offered more hours
Put your new take-home pay into the UC calculator to see how much of the extra you keep. With a work allowance, the first part of your pay does not reduce UC at all.
Got some savings or an inheritance
The savings calculator shows the monthly income UC assumes from savings between £6,000 and £16,000.