Your summary
Universal Credit a month£1,229.42
Your maximum award is £1,324.90 a month. The benefit cap takes off £95.48. You would get about £1,229.42 a month, or £14,753 a year.
£1,324.90 maximumNo work allowanceBenefit cap applies
THE COMPLETE PICTURE
Your results in detail
Maximum award£1,324.90
Taken off£95.48
Housing element£900.00
Universal Credit£1,229.42
What we assumed
- Rates
- 2026/27, monthly
- Housing
- LHA £900.00 a month (1 bed)
- Earnings
- £0 a month after tax
- Child Benefit
- Counted towards the cap only
Not right for you? Change it under More options.
How your award is worked out
Elements added together, then deductions.
| Item | A month |
|---|---|
| Standard allowance | £424.90 |
| Housing element | £900.00 |
| Maximum award | £1,324.90 |
| Benefit cap | −£95.48 |
| Universal Credit | £1,229.42 |
Universal Credit at different earnings
Take-home pay a month on the bottom axis.
Universal Credit
Take-home pay £0: Universal Credit £1,229.42, total £1,229 a month.
£310£610£920£1,230
Drag across the chart, or use the arrow keys, to read any level of pay.
Universal Credit stops at about £2,409 a month of take-home pay for your household.
Worth knowing
Things that affect your claim.
The benefit cap reduces your award by £95.48
The cap is £1,229.42 a month for your household. Earning £881a month or more after tax, or someone getting a disability or carer's benefit, would remove it.
Paid monthly, in arrears
Your first payment usually arrives about five weeks after you claim. You can ask for an advance, repaid from later payments.
2026/27 rates. An estimate, not a decision on your claim. Not financial advice.