Universal Credit (UC) is the main working-age benefit in the UK, paid monthly to people who are out of work or on a low income. From April 2026, the standard allowance and additional elements increased by 3.2%, in line with September 2025 CPI inflation.
2026-27 Standard Allowance Rates
- Single, under 25: £311.68 per month
- Single, 25 or over: £393.45 per month
- Joint claimants, both under 25: £489.23 per month
- Joint claimants, one or both 25 or over: £617.60 per month
These standard allowances are the foundation of a Universal Credit payment. Most claimants receive additional elements on top of the standard allowance.
Additional Elements
Child element: £333.33 per month for a first child (born before April 2017), £287.92 for second and subsequent children.
Childcare element: Up to 85% of childcare costs for working parents — maximum £1,014.63 per month for one child, £1,739.37 for two or more.
Housing costs element: Covers rent (to the Local Housing Allowance limit for private renters).
Limited capability for work element: £156.11 per month for those with health conditions that limit but don't prevent work. Limited capability for work and work-related activity (LCWRA): £416.19 per month for those unable to work.
The Benefits Cap
The household benefit cap limits total UC (and other benefits) to £2,110 per month (£25,323 per year) for families with children in London, or £1,765 per month (£21,180 per year) outside London.
How to Claim
Claims are made online at gov.uk/universal-credit. You will need a bank account, your National Insurance number, housing cost details, and proof of identity and income.
