UK Benefits Calculator

UK Benefits Calculator helps you estimate your Universal Credit entitlement using the latest 2025/26 rates. Designed for both employed and self-employed claimants, the app provides a clear monthly estimate with a detailed breakdown so you can understand how your award is calculated.

All calculations are based on publicly available information.

EMPLOYED CALCULATOR

Enter your details and receive an instant estimate based on:

• Standard allowance (age and relationship status) • Child element (including pre-April 2017 rates where applicable) • Disabled child additions (lower and higher rate) • Limited Capability for Work and Work-Related Activity (LCWRA) • Carer element (35+ hours per week) • Childcare costs (85% reimbursement, subject to caps) • Housing element based on rent • Work allowance and 55% taper rate • Capital and savings assessment

Calculations update in real time as you enter your information.

SELF-EMPLOYED CALCULATOR

Built specifically for self-employed claimants, including:

• Net income calculation (revenue minus allowable expenses, tax, and NI) • Minimum Income Floor (MIF) calculation • 12-month start-up period exemption • Clear indication when MIF is applied

Understand how your earnings affect your Universal Credit estimate.

BENEFIT CAP INCLUDED

Automatic benefit cap calculations for:

• London • Outside London

Exemptions are applied where relevant, including LCWRA recipients and earnings above the work allowance threshold.

DETAILED BREAKDOWN

See exactly how your estimate is calculated.

Expandable sections show:

• Each entitlement element • Income deductions • Taper reductions • Final estimated monthly amount

You can share your results via text, email, or other apps.

BUILT-IN UNIVERSAL CREDIT GUIDE

Learn how Universal Credit works with a clear, easy-to-read guide covering:

• Eligibility rules • Standard allowance rates • Additional elements • How income affects payments • Minimum Income Floor • Benefit cap rules • Capital and savings thresholds

FULLY EDITABLE RATES

All calculation rates can be edited in Settings.

When official rates change, simply update them yourself. You can reset to the default 2025/26 rates at any time.

FEATURES

• Employed calculator • Self-employed calculator • Real-time results • Detailed calculation breakdown • Share results • Built-in Universal Credit guide • Editable rates with automatic saving • Dark mode support • No ads • No subscriptions • No data collection • Works fully offline