Universal Credit Calculator

Before you use our universal credit calculator it’s important to note that we do not collect or store any personal information you enter. The results you are given are based off the maximum universal credit you may be entitled to and may differ from your actual award.

The calculator has been updated to reflect the increase of universal credit benefits from April 2022, you can read more about the universal credit increase here.

What Universal Credit Elements We Calculate?

Our benefits calculator works out the six main components that make up your universal credit award, there may be some elements that you are entitled too and are not included in the results.

Standard Allowance

The standard allowance is usually a fixed award that is the same for anybody entitled to universal credit. The standard allowance covers single claims and couples who live together. The rates payable will differ depending on your age.

Child Element

The child element of universal credit awards a fixed rate, and dependent on when they were born can limit the number of children you can claim for.

There were no previous restrictions on the number of children you could claim for prior to April 2017, however, if you are already claiming for two or more children prior to April 2017 you may no longer claim for any other children born after this date.

Childcare Element

You may be entitled to childcare if you meet the qualifying conditions. Universal credit can award up to 85% of the childcare cost with a limit of £646.35 per month for one child or £1108.04 per month for 2 or more children.

When you enter your childcare cost in the universal credit calculator the results will show only what you are entitled too, for example if your childcare costs are more than the maximum award amounts.

Disability Elements

Your award amount will take into consideration the 1.7% rise from April 2020

We will not ask you for specifics with your disability or health conditions, the award amounts may differ from your actual award amount given by gov.uk. There are different factors that will affect how much you may receive from universal credit and our calculator will give you the most accurate award possible.

Carers Allowance

There are a few factors you need to take in to consideration when applying for carers allowance, you can only claim for one person when it comes to carers allowance regardless of your circumstances.

You must care for this person for more than 35 hours per week to be eligible.

Your award amount may vary depending on the severity of the disability of the person you care for.

There are many more limitations on claiming carers allowance that are not included in our universal credit calculator. Your employments status, your age and if you are studying for more than 21 hours per week.

Housing Benefit

Housing benefit awards will vary depending on where you live and how many people you live with.

The results you get from the calculator may not reflect your actual housing benefit ward amount from universal credit. There are many factors to consider when it comes down to estimating your award amount.

The results will show your maximum award amount for rent only; it does not cover service charges. However, you may be entitled for some help with service charges.

How Deductions Are Calculated

Any deductions on your universal credit claim will derive from your current savings and monthly earned income. This includes things like salaries, pensions and other benefits.

Work allowance calculation

From April 2022 there are two types of work allowance that you can earn before your benefits are affected these are:

Higher work allowance: (£512 per month)

Lower work allowance: (£292 per month)

Your entitlement is reduced by £0.55 for every £1 you earn over these amounts.

Savings deductions

We do not calculate any savings deductions in our universal credit calculator. It’s important to note that if you have savings of more than £16,000 you are automatically disqualified from claiming universal credit.

If you have savings of less than £16,000 but more than £6,000 your deductions can be worked out as followed: For every £250 over £6,000 – £4.35 will be deducted from your monthly award amount.

For any savings less than £6,000 will not be taken into consideration when working out your claim but you may still need to report it.

Your Universal Credit Calculator Results

If you haven’t yet transitioned over to universal credit from the benefits system and your using our universal credit calculator to work out your entitlement you may see that your new award amount is less than you currently receive.

If this is the case: You may be entitled to a ‘transitional amount’ that will top up your award to the same amount you were previously awarded on legacy benefits.

Important note: You will only receive the ‘transitional amount’ if you are transferred to universal credit, you will not be entitled to this if you make a new claim.

Universal credit calculator

 Suggestions on Our Universal Credit Calculator

If you have any comments or suggestions on how we can improve our universal credit calculator we would love to hear them. You can either use the contact us page or email support@universalcredit.co.uk please start your message with UC Calculator.

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