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Eligibility · Universal Credit

Am I eligible for Universal Credit?

In short. You can usually claim Universal Credit if you're 18+, under State Pension age, live in the UK, have savings under £16,000 and (with a partner) claim jointly. The detail depends on income, housing costs, health and children.

Universal Credit (UC) is the main UK working-age means-tested benefit. It replaced six older benefits and is now the default for new claims. The amount you get depends on a monthly assessment of your circumstances.

Last reviewed:

·Amount: Standard allowance £393.45/mo (single 25+, 2025/26) + elements for children, housing, health, childcare — varies widely

You likely qualify if…

  • You're 18+ (some exceptions from 16) and under State Pension age
  • You live in the UK and have a right to reside
  • Savings (yours plus partner) are under £16,000
  • You're on a low income or out of work — including some working full-time
  • You're claiming jointly with your partner if you live together

You likely don't if…

  • You have savings of £16,000 or more (joint)
  • You're at or over State Pension age (claim Pension Credit instead)
  • You don't satisfy the right-to-reside / habitual-residence test
  • Some students (with limited exceptions)

How to check and claim

  1. 01Free benefits calculators (Turn2us, EntitledTo, Policy in Practice) are listed at gov.uk/benefits-calculators
  2. 02Full eligibility guidance is published at gov.uk/universal-credit/eligibility
  3. 03Citizens Advice offers free, independent help with UC questions, including how it interacts with Tax Credits and Housing Benefit

FAQ

Will Universal Credit affect my Tax Credits?
Yes — claiming UC ends Tax Credits the same day. If you've received a Migration Notice, follow its deadline carefully; missing the deadline ends Tax Credits and may delay UC.
Can I work and claim UC?
Yes. UC tapers as earnings rise — currently 55p of UC is withdrawn for every £1 of net earnings above any work allowance. Work allowances apply if you have children or limited capability for work.
Does my partner's income count?
Yes — UC is a household benefit. You must claim jointly if you live with a partner; their income, savings and capability for work all affect the award.
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