How Much is Universal Credit for a Single Person? (England)

This guide explains how to estimate your Universal Credit (UC) if you are single and living in England. It follows the same five-step method used by advice services. If you live in Northern Ireland, Scotland or Wales, rules and payment practices can differ, so look up advice for your nation.

Quick answer: the standard amounts (monthly)

• Single and under 25: £316.98
• Single and 25 or over: £400.14

<p”>These are your starting figures. Your actual payment can be higher if you qualify for extra “elements”, and lower if you have earnings, other income, or savings.

How to work it out in 5 steps

1) Look up your standard amount

Start with the standard amount above based on your age. If you later form or end a couple, tell DWP because your next payment will change.

2) Add any extra elements you qualify for

You can add one or more of these monthly elements if they apply to you:

• Housing costs element: help with eligible rent and some service charges if you pay rent.
• Children and qualifying young people: extra money for children who live with you.
• Who counts: a child up to their 16th birthday; a qualifying young person until 31 August after their 16th birthday, and up to 31 August after their 19th birthday if in non-advanced education (for example, school or college).
• Childcare element: if you work and pay registered childcare, UC can cover up to 85% of eligible costs. You claim after you have paid and reported the amount.

Sickness or disability:

• Limited Capability for Work (LCW): £158.76 (only if your claim started before 3 April 2017).
• Limited Capability for Work and Work-Related Activity (LCWRA): £423.27.
  You might need a Work Capability Assessment.
• Carer element: £201.68 if you care for at least 35 hours a week for a severely disabled person who gets a qualifying disability benefit.
• Managed migration or past Severe Disability Premium (SDP): you might have a transitional element if DWP told you to move from legacy benefits, or if you had an SDP. See the earnings thresholds under Step 3.

Tip: You can get more than one element if you qualify for them.

Reduce for your earnings, other income, and capital

Earnings from work

• • For each £1 you earn after income tax, UC goes down by 55p. This is the taper rate.
  • You might have a work allowance (earnings you can keep before the taper starts) if:
  • You are responsible for a child or a qualifying young person, or you have an LCW/LCWRA.
  • Work allowance amounts (monthly):
  • £411 if you also get the housing costs element or Housing Benefit
  • £684 if you do not get the housing costs element

Worked example (earnings):

Zoe’s estimated UC before earnings is £1,400. She earns £900 after tax and has a child, plus the housing costs element, so her work allowance is £411.
Earnings subject to taper = £900 − £411 = £489.
Reduction = £489 × 0.55 = £268.95.
Zoe’s UC after the reduction = £1,400 − £268.95 = £1,131.05.

Earnings include wages, overtime, tips, commission, bonuses, holiday pay, sick pay, and parental pay. Do not count income tax, Class 1 NI, pension contributions, expenses, mileage allowances, or childcare vouchers.

Other income that reduces UC pound-for-pound

UC is reduced by the gross amount you receive from things like:

• pensions or annuities
• maintenance from a spouse or civil partner (not child maintenance)
• insurance payments
• some benefits, including Carer’s Allowance, Carer Support Payment, Incapacity Benefit, Maternity Allowance, ESA, JSA
  Student finance can also count as income.

Do not deduct these benefits: Child Benefit, DLA, PIP, Bereavement Support Payment, war pensions, and certain Scottish disability benefits. Some payments are ignored, like fostering/kinship allowances, regular gifts from family or charities, and rent from a lodger in your main home.

Savings and other capital

• If your capital is over £6,000, UC is reduced by £4.35 per month for each £250 (or part of £250) above £6,000.
• If your capital is £16,000 or more, you usually cannot get UC (some managed-migration exceptions apply).
• Capital does not include personal possessions, business assets, or your main home.
  Do not deliberately reduce capital to increase UC; DWP can treat you as having notional capital unless you had a reasonable reason or used it to pay off debts.

Worked example (capital):

Niamh has £7,700 in capital. That is £1,700 over £6,000, which is 6 full lots of £250 and one part of £250. UC reduction = 7 × £4.35 = £30.45 per month.

Transitional earnings thresholds (managed migration/SDP)

If you get a managed migration or SDP transitional element, it may change if your earnings fall below the minimum for 3 months in a row. For single claimants, the minimum monthly income was:

• From 1 April 2025: £952
• 13 May 2024–31 Mar 2025: £892
• 1–12 May 2024: £743
• 1 Apr 2023–31 Mar 2024: £677
• 30 Jan–31 Mar 2023: £617
• 26 Sep 2022–29 Jan 2023: £494

If your earnings were above the threshold when you first claimed UC, the transitional element can stop. If you moved from Working Tax Credit after State Pension age, a drop in earnings could end UC.

4) Check the Benefit Cap

Your UC may be reduced to keep your total benefits below the cap. The cap does not apply if you earn at least £846 a month after tax (for couples, this is combined), or if you or your household gets certain disability or carer benefits (including LCWRA or the carer element).

Monthly Benefit Cap limits:

• Single outside London: £1,229.42
• Single in London: £1,413.92
• Couple or with children outside London: £1,835.00
• Couple or with children in London: £2,110.25

The childcare element is not capped.

5) Take off sanctions and other deductions

DWP can reduce UC for:

• advance payments or budgeting advances
• sanctions
• overpayments
• child maintenance deductions
• third-party debts like utilities
• benefit fraud penalties

If your payment is reduced to £0, your claim usually ends. If income might fall, ask DWP to keep your claim open and keep reporting your earnings; they can monitor for up to 5 months and restart your award if you become entitled again.

2026 changes to be aware of

The government is planning changes from 6 April 2026. If you are sick, disabled, or have a long-term health condition, you might get more UC if you apply now under current rules. Always check the latest position before making decisions.

Northern Ireland, Scotland, and Wales

• Northern Ireland: UC is usually paid twice a month to the household, and, where awarded, the housing element is paid directly to the landlord each month. You can request a single monthly payment or split payments into a couple.
• Scotland and Wales: check nation-specific guidance before you estimate.

How to get an exact figure

• • Use an online benefits calculator and enter your details carefully.
  • Speak to an adviser if you need help with eligibility, deductions, or changes in your circumstances.

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