Disclaimer

The calculators on this website provide estimates intended to help you understand trade-offs. They are not a substitute for official benefit decisions, payslips, or personalised advice.

Estimates only

Universal Credit can be affected by many factors that are not always visible in a simple calculator: deductions, sanctions, overpayment recovery, other benefit elements, and changes over time. Treat results as an indication of direction and magnitude, not a guaranteed payment.

Not financial or legal advice

Nothing on this site is financial advice, legal advice, or a recommendation to change your work hours. You remain responsible for decisions you make using the site.

Verify with official sources

If you need exact figures, verify with official guidance and your own UC account, payslips, and childcare invoices. For housing LHA rates, you can use the VOA lookup linked on the Universal Credit calculator page.

Use the right tool

Use the full Universal Credit calculator for UC estimates.
Use Is it worth working? for the quick headline outcome.
Use Childcare vs extra work for “one extra day” decisions.
Use the Break-even helper to see what must change.