Universal Credit calculator 2026/27
A quick monthly estimate using the 2026/27 rates, the 55% earnings taper and the work allowance. The two-child limit ended on 6 April 2026.
2026/27 rates used (monthly)
| Standard allowance: single under 25 / 25+ | £338.58 / £424.90 |
| Standard allowance: couple under 25 / either 25+ | £528.34 / £666.97 |
| Child element (each child; eldest born before 6 April 2017 gets £351.88) | £303.94 |
| Work allowance with / without housing costs | £427 / £710 |
| Taper | 55p per £1 |
Not included: the childcare costs element (up to 85% of childcare), the carer element, disabled child additions, the benefit cap, LHA limits on private rent, non-dependant deductions and sanctions. Use a GOV.UK-listed benefits calculator for a full check. Sources: benefit rates 2026 to 2027.
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FAQs
How much does Universal Credit go down when I earn more?
Your UC drops by 55p for every £1 of take-home pay above your work allowance. You only get a work allowance if you have children or limited capability for work: £427 a month if your UC includes housing costs, £710 if it doesn't.
Is there still a two-child limit on Universal Credit?
No. From 6 April 2026 the child element is paid for every child. Families saw the increase from May or June 2026, depending on their assessment period.
Do savings affect Universal Credit?
Savings under £6,000 don't count. Between £6,000 and £16,000, every £250 (or part of £250) counts as £4.35 a month of income. Over £16,000, you usually can't get UC.
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