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Benefits calculator 2026/27

Find out roughly what you could get each month: Universal Credit, help with your rent, PIP, Carer's Allowance and New Style ESA. One question at a time, about 3 minutes. Your answers stay in your browser.

This is an estimate, not advice. Rates for 2026/27, last checked 12 October 2026.

Question 1 of 11

Who would you live with?

Your household for Universal Credit: you, and a partner if you live together.

This is an estimate, not advice. It uses the official 2026/27 rates from GOV.UK and the Valuation Office Agency, last checked 12 October 2026. What you actually get is decided by DWP or your council, and can depend on things we don't ask about.

Questions people ask

This is an estimate, not advice. We use the official 2026/27 rates published on GOV.UK, including the Local Housing Allowance rates, last checked 12 October 2026, and match postcodes to rental areas with the Valuation Office Agency's LHA-Direct. Your real award is decided by DWP (Universal Credit, PIP, ESA, Carer's Allowance) or your council (Housing Benefit). If something can't be worked out from your answers, we say so rather than guess.

£338.58 a month if you're single and under 25, £424.90 if you're single and 25 or over, £528.34 for a couple who are both under 25, and £666.97 for a couple where either of you is 25 or over.

Yes. GOV.UK says the 2-child limit ended on 6 April 2026, so Universal Credit now pays the child amount of £303.94 a month for every child. The benefit cap still applies.

From 6 April 2026 there are two rates. £429.80 a month if you told DWP about your health condition before 6 April 2026 (or already had LCWRA), have a severe, lifelong condition, or are nearing the end of life. £217.26 a month if you declared your condition on or after 6 April 2026 and it isn't severe and lifelong.

For every £1 you take home, Universal Credit goes down by 55p. If you have children, or a health condition that limits your work, you can first earn a work allowance: £427 a month if you get help with housing costs through Universal Credit, or £710 if you don't.

Usually not. If you live in supported or sheltered housing, such as a hostel, that gives you care, support or supervision, you claim Housing Benefit from the council for your rent instead. You can still claim Universal Credit for your living costs. Service charges for things like meals, heating, energy in your room or support are usually yours to pay.

Yes. PIP isn't affected by your income or savings and doesn't reduce Universal Credit. In 2026/27 the daily living part is £76.70 or £114.60 a week, and the mobility part £30.30 or £80 a week. In Scotland you apply for Adult Disability Payment instead, at the same rates.

Yes. Carer's Allowance is £86.45 a week if you care for someone at least 35 hours a week and take home £204 a week or less. Universal Credit goes down by the same amount, but you can still get the Universal Credit carer amount of £209.34 a month. In Scotland it's Carer Support Payment.

No. The calculation runs in your browser and nothing is sent to Roomfy. If you choose to message us on WhatsApp, only the message you send reaches us.

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Where our figures come from

Rates for 2026/27, last checked 12 October 2026. Every figure is copied from an official page; if a rate isn't published, or your postcode can't be matched, we say we can't work that part out.