UK Benefits Calculator 2026/27

Our calculator provides estimates based on the information you provide, using official 2026/27 DWP and GOV.UK rates. Actual amounts depend on your full household circumstances. Use this as a quick indication, then verify with GOV.UK or Citizens Advice.

Our calculator checks eligibility for Universal Credit, Child Benefit, Personal Independence Payment (PIP), Carer's Allowance, Pension Credit, Housing Benefit, Council Tax Reduction, Jobseeker's Allowance (JSA), Employment & Support Allowance (ESA), and Attendance Allowance.

Yes. For Universal Credit, savings under £6,000 are ignored. Between £6,000 and £16,000, your payment is reduced by £4.35 per week for every £250 (or part thereof) over £6,000. Over £16,000, you generally cannot claim Universal Credit.

Yes. Many working people are entitled to benefits. Universal Credit tops up income from work if your household income is below the thresholds. Child Benefit, Council Tax Reduction, and other benefits are available regardless of whether you work. The benefit is tapered gradually as income rises, not switched off suddenly.

For means-tested benefits like Universal Credit, couples are assessed jointly. Both partners' income and savings are combined. You claim as a household, and the standard allowance for a couple over 25 in 2026/27 is £617.60 per month — higher than the single rate of £400.14.

Most benefits continue automatically once awarded, but you must report changes in circumstances — such as income changes, moving home, a new child, or a partner moving in or out. Universal Credit adjusts each month based on your reported earnings.

No — a pay rise reduces Universal Credit gradually. For every £1 of net earnings above your work allowance (if you have one), you keep 55p and Universal Credit reduces by 45p. You will not suddenly lose all your benefit at once.