Universal Credit calculator 2023: How much can I claim and how do I apply?

MILLIONS of people are missing out on benefits they're entitled to, but there are several calculators you can use to check what help you can get.

Universal Credit is a welfare scheme which was designed to combine several of the old "legacy benefits" into a single monthly payment.

It can help you get by if you're on a low income or ill.

But even families on higher incomes over £50,000 with childcare and rent costs could get the help, so it's always worth checking.

According to Policy in Practice, there's £7.5billion going unclaimed each year - around £6,250 on average.

But exactly how much Universal Credit you get depends on your personal circumstances.

This includes who you live with, like a partner and children, plus if you have a job and how many hours you work.

Universal Credit is replacing six so-called legacy benefits and comes as a single payment each month, similar to a monthly salary you get from a job.

It can be paid to you twice monthly in some circumstances though, including if you live in Scotland.

How much Universal Credit can I get?

Your individual circumstances will affect how much Universal Credit you receive such as how many children you have, your earnings, and how many people you live with.

But it's also affected by the benefit cap, which limits the amount of welfare you can get overall.

The benefit cap outside Greater London is:

• £423.46 per week (£1,835 per month) if you’re in a couple or if you're a single parent and your children live with you
• £283.71 per week (£1,229 per month) if you’re a single adult

The benefit cap inside Greater London is:

• £486.98 per week (£2,110 per month) if you’re in a couple or if you're a single parent and your children live with you
• £326.26 per week (£1,413 per month) if you’re a single adult

How much Universal Credit will I get if I earn £1,000 a month?

Depending on your circumstances you could be eligible for up to £368.74 a month through the standard allowance if you're over 25 and single.

But the exact amount you'll get depends on your circumstances.

For example, if you earn £1,000 a month and are renting a property that costs £750 a month you'll qualify for £334 in Universal Credit payments.

This is calculated from the inclusion of a £369 standard allowance and a £515 housing element.

But if you don't qualify for a work allowance (given to those with kids or a limited capability of work), your Universal Credit payment will be reduced by 55p for every £1 you earn.

So in total, your Universal Credit payments will be reduced by £550 and you'll only be eligible for a £334 monthly payment.

You can check how much you could get by using a benefits calculator online.

How much you get can also be affected by other things, like how much savings you have.

How is my Universal Credit calculated?

The Department for Work and Pensions works out how much your household is entitled but this could be affected by deductions or sanctions.

If you live with your partner then their circumstances will also be taken into account.

Everyone who is accepted on Universal Credit will be entitled to a Standard Allowance:

• Single and aged under 25: £292.11 per month
• Single and aged 25 or over: £368.74 per month
• Joint claimants both aged under 25: £458.51 per month
• Joint claimants where one is aged 25 or over: £578.82 per month

Once your household allowance is calculated, the DWP will take into account any additional claim elements such as children, housing, or disabilities.

Child element

If your child is under the age of 16 then you can be entitled to:

• £315 per month for a first or only child born before 6 April 2017
• £269.58 per month per child in all other circumstances

You can only claim this element for a maximum of two children unless you have twins or you've adopted.

If your child has a disability you may also be entitled to:

• £146.32 per month per child receiving DLA or PIP
• £456.89 per month per child if they qualify for the highest rate of the Disability Living Allowance (DLA) care component, enhanced rate of PIP for daily living, or are registered blind.

Childcare costs element

Working parents can claim up to 85% of childcare costs, up to a maximum of £951 a month for one child, or £1,630 a month for two or more children.

The Government now pays parents on Universal Credit up front instead of in arrears since summer 2023.

Housing costs element

Universal Credit can help you pay your rent, or part of it, as well as some service charges.

The amount you get depends on whether you're a private or social tenant.

Private tenants

The amount is calculated on the Local Housing Allowance where you reside, which determines rental prices in the area for the number of rooms you need.

For example, a single person without children will be able to claim the average cost of renting a one-bedroom flat in the area.

Social housing tenants

Your benefit is calculated based on your eligible rent, which takes into account the number of rooms you actually need.

You're allowed one bedroom for each adult couple, each person over 16, two children of the same sex under 16, two children under 10 regardless of gender, any other child, and an overnight carer who doesn't live with you full time.

If you have more bedrooms than you need then your eligible rent is reduced by 14% for one spare or 15% for two or more spares.

If your household has no other income or savings then you'll receive the full amount that you're entitled to.

Carer element

Those caring for a severely disabled person for at least 35 hours a week will get £185.86 a month.

If you're making a joint claim you can both receive the carers element but not if you're caring for the same person.

Can I work while on Universal Credit?

The government says that the flagship welfare system has been designed to help people get back into work.

This means you can work as many hours as you want while claiming benefits but it may reduce the amount you get.

This is because your wages will be subject to the taper rate: for every £1 you earn, your Universal Credit payment will go down 55p.

If you've got a job and a child who is dependent on you or you can't work due to an illness then you might be entitled to a work allowance.

This is the amount you can earn every month before the taper rate kicks in.

If you get help with your housing costs then this will be set at £379, or £631 if you don't.

If you don't get a work allowance then all of your salary is subject to the taper rate.

What else can lower my Universal Credit payments?

Any other income that you have that isn't work or benefit-related, such as a pension, will see £1 taken from your Universal Credit payment for every £1 of income.

If you have savings when applying for Universal Credit, they may also lower your payments.

Your payment is also subject to deductions, meaning you could receive less than you're entitled to.

This could be due to you needing to repay an advance or budgeting loan or you've previously been overpaid tax credits.

Reductions could also be because you've fallen behind on your rent, council tax or energy bills.

The deductions would then go directly to your landlord or housing association, the council or your energy provider to help pay off the debt.