Updated for 2026/27

Free UK benefits checker and calculator 2026/27

Estimate Universal Credit, PIP, Child Benefit, Pension Credit and housing support using current 2026/27 rules. Built for working families, single parents, renters and pensioners, with the key thresholds kept visible.

Calculate benefits
2026/27 rates and thresholds Updated April 2026 Free to use Independent, not GOV.UK 20+ tools covered Take-home pay? → AfterTaxSalary.co.uk

Universal Credit quick estimator

Adjust inputs and submit — results update instantly.

2026/27
£1,333 per month £15,994/yr
How it works

Three steps to a clearer benefits picture

1

Enter your household details

Income, rent, children, savings and health situation — the inputs that drive the estimate.

2

See your estimated entitlement

Get a monthly figure broken down by component, using current 2026/27 rates and tapers.

3

Explore the full support picture

Move into specialist pages for Child Benefit, PIP, Pension Credit, council tax and childcare.

4

Read the plain-English guides

Understand what affects the award, how savings and earnings interact, and what to do next.

Explore by situation

Find support for your situation

Pick the situation that best describes you and see which benefits and tools are most relevant.

Hub

Working family

Work allowance £710/month, Child Benefit, 85% childcare, Free School Meals — what a working family can claim in 2026/27.

Situation guide

Single parent

Universal Credit with child element, work allowance, childcare help and Child Benefit.

Situation guide

Renting a property

UC housing costs, LHA caps, Housing Benefit and Council Tax Reduction.

Situation guide

Unable to work

SSP, ESA, PIP, UC health element and disability-related support.

Situation guide

Family on low income

UC, Child Benefit, Free School Meals, childcare top-up and maternity support.

Situation guide

Pensioner

Pension Credit, council tax help, Winter Fuel and heating support.

Guide

Not sure where to start

A plain-English overview of the main support routes and how to approach the system.

What happens if…

Scenario explainers

Common benefit questions explained with real numbers — so you know what to expect before a change happens.

Scenario

My savings increase

The £6,000 and £16,000 thresholds, tariff income and what happens at the upper limit.

Scenario

I work more hours

Work allowance, the 55% taper and a worked example showing £1,200 vs £1,400 earnings.

Scenario

My partner moves in

Joint UC claim, combined capital assessment and the council tax single-person discount.

Scenario

My rent increases

LHA caps, bedroom rules, the Benefit Cap and Discretionary Housing Payments.

Explore by support type

Browse support topics

Universal Credit Child Benefit Housing help Council tax Childcare Disability Pension-age Winter payments
More calculators

Specialist support pages

Move into the more specific family, pension-age, disability and childcare pages when Universal Credit is not the only question.

Free Child Benefit calculator 2026/27 UK

Free Child Benefit calculator for 2026/27. See weekly, monthly and annual amounts for 1, 2 or more children using the latest UK rates.

Calculator →

HICBC calculator 2026/27 UK

Calculate the High Income Child Benefit Charge for 2026/27. Check the £60,000 to £80,000 threshold band and how much Child Benefit you keep.

Calculator →

Free Pension Credit calculator 2026/27 UK

Free Pension Credit calculator for 2026/27. Estimate weekly top-ups using income, savings and key additions, including the £10,000 savings disregard.

Calculator →

PIP rates and eligibility checker 2026/27 UK

Check likely PIP daily living and mobility awards for 2026/27 in the UK. Includes points thresholds, standard and enhanced rates, and weekly, monthly and annual amounts.

Calculator →

Council Tax Reduction estimator

Estimate possible council tax support using local-bill size, income, benefits and savings. Independent UK checker.

Calculator →

Housing Benefit estimator

Check whether a legacy Housing Benefit case may still qualify using weekly rent, income, savings and pension-age status.

Calculator →
Common questions

Benefits FAQ

How much Universal Credit will I get?+
In 2026/27, the UC standard allowance is £424.90/month for a single claimant aged 25+, or £666.97/month for a couple. Add a child element (£303.94 per child), housing support (up to LHA limit), and a health element if applicable. Earnings reduce the award by 55p per £1 above your work allowance.
Do savings affect Universal Credit?+
Savings between £6,000 and £16,000 reduce UC by a tariff income of £4.35/month per £250 above £6,000. If your savings are £16,000 or more, you are not entitled to UC. Savings below £6,000 have no effect.
How much is Child Benefit in 2026/27?+
Child Benefit is £27.05/week for the eldest or only child, and £17.90/week for each additional child. It is paid every 4 weeks. If either parent earns above £60,000, the High Income Child Benefit Charge applies — recovering 1% of Child Benefit per £200 of income above that threshold.
Can I claim benefits while working?+
Yes. Universal Credit is available to people in work — there is no hours threshold. Your award reduces by 55p per £1 earned above your work allowance. Many working families receive UC to top up low wages. Child Benefit, council tax reduction and other benefits are also available to working households.
What is Pension Credit and who qualifies?+
Pension Credit tops up weekly income to £238.00 for a single person or £363.25 for a couple in 2026/27. You must be over State Pension age to claim. Even a small award can passport you to housing help, council tax support and other linked support.

Part of the same calculator network

UK Benefits Calculator is part of a suite of ten free UK financial calculators covering take-home pay, employer costs, home buying, tax and more — all independent, all free.