Find out what you're entitled to — in under a minute
Millions of pounds in UK benefits go unclaimed every year. Enter your household income and circumstances below for an instant, anonymous estimate of your Universal Credit and benefits entitlement for 2025/26.
- 2025/26 DWP rates
- 100% anonymous
- No sign-up, no cost
Benefit entitlement calculator
A guide to your monthly Universal Credit. Estimate only — confirm on GOV.UK.
This is a guide only and not a benefit award. For an official figure use the GOV.UK benefits calculators or a free adviser at Turn2us.
Benefits & everyday calculators for UK life
Beautifully simple, accurate tools built around the numbers that matter at home — benefits, bills, budgets and the everyday sums in between.
Universal Credit Calculator
Estimate your full UC award element by element, including housing and child elements.
Open tool → 🏠Council Tax Calculator
Work out your annual and monthly council tax bill by band, with single-person discount.
Open tool → 👶Child Benefit Calculator
How much Child Benefit you'll get — and how the High Income Charge claws it back.
Open tool → 📈UK Inflation Calculator
See what a sum of money from any past year is worth today, using ONS CPI data.
Open tool → 9.9K/mo⏱️Pro-Rata Salary Calculator
Convert a full-time salary into part-time pay based on the hours you actually work.
Open tool → 🧾Budget Calculator
Build a clear monthly budget and instantly see your surplus or shortfall.
Open tool → 🏖️Holiday Entitlement Calculator
Your statutory paid holiday in days — full-time, part-time or by hours worked.
Open tool → ⚖️Compensation Calculator
A guide to personal-injury claim values using Judicial College bracket ranges.
Open tool → 💶Euros to Pounds
Convert EUR to GBP with an editable, illustrative exchange rate.
Open tool → 💵Dollars to Pounds
Convert USD to GBP fast, with a rate you can update to today's figure.
Open tool → 🐎Each-Way Bet Calculator
Work out returns on each-way bets including place terms and the win portion.
Open tool → 🐶Dog Age Calculator
Convert your dog's age to human years using the modern size-based method.
Open tool →Why so many people miss out on benefits they're owed
Every year around £23 billion in benefits and support goes unclaimed across the UK, according to estimates from Policy in Practice and the charity Turn2us. The reasons are rarely about eligibility — they're about confusion. The system is complex, the language is intimidating, and many people simply assume they "won't qualify" without ever checking.
Universal Credit has replaced six older "legacy" benefits — including Working Tax Credit, Child Tax Credit, Housing Benefit and income-based Jobseeker's Allowance — into a single monthly payment. Whether you qualify, and for how much, depends on your income, savings, housing costs, number of children, and any health conditions. Our calculator brings those factors together so you can get a realistic figure in seconds, before deciding whether to make a claim.
For 2025/26, a single person aged 25 or over receives a Universal Credit standard allowance of £400.14 a month. A couple both aged 25 or over get £628.10 a month. Extra "elements" are added for children, housing costs and disability, then your award is reduced by 55p for every £1 you earn above any work allowance.
How our benefit calculator works
The calculator follows the same logic the Department for Work and Pensions (DWP) uses to build a Universal Credit award. It starts from your standard allowance, then adds the elements that apply to your household:
- Child element — an extra amount for each dependent child (a higher rate applies to a first child born before 6 April 2017).
- Housing element — help towards rent, capped at your eligible rent.
- Limited Capability for Work-Related Activity (LCWRA) — an additional amount if a health condition limits your ability to work.
It then applies two reductions: the earnings taper (your award falls by 55% of net earnings above the work allowance) and a capital deduction if your savings are above £6,000. Savings above £16,000 usually mean you can't claim Universal Credit at all. These are exactly the thresholds published in the DWP's "What you'll get" guidance for 2025/26.
2025/26 Universal Credit standard allowance rates
| Your circumstances | Monthly standard allowance |
|---|---|
| Single, under 25 | £316.98 |
| Single, 25 or over | £400.14 |
| Couple, both under 25 | £497.55 |
| Couple, one or both 25 or over | £628.10 |
Source: DWP / GOV.UK, 2025/26 benefit rates. Figures shown per assessment period (roughly one month).
Benefit calculator questions, answered
Is this benefits calculator accurate?
It gives a close estimate using the official 2025/26 Universal Credit rates published by the DWP. Your actual award depends on a full assessment of your circumstances — including your exact earnings each month and your housing situation — so always confirm with an official check on GOV.UK or a free adviser at Citizens Advice or Turn2us.
Do I have to enter my name or any personal details?
No. The calculator runs entirely in your browser. Nothing you type is sent to a server, saved, or shared with anyone. It is completely anonymous and free to use.
What is the Universal Credit standard allowance for 2025/26?
For 2025/26 the monthly standard allowance is £400.14 for a single person aged 25 or over, £316.98 if single and under 25, £628.10 for a couple where one or both are 25 or over, and £497.55 for a couple both under 25.
Does earning money reduce my Universal Credit?
Yes. After any work allowance, Universal Credit is reduced by 55p for every £1 you earn from work — this is called the taper rate. Our calculator applies the 55% taper and the relevant work allowance automatically, so the figure you see reflects your earnings.
Will my savings affect my claim?
Savings and capital between £6,000 and £16,000 reduce your award by £4.35 a month for every £250 (or part of £250) above £6,000. If you have more than £16,000 in savings you usually cannot claim Universal Credit at all. The calculator applies these rules for you.