Universal Credit 2026: How Much Will You Get and How to Claim

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.

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2026-27 Standard Allowance Rates

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– **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

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These standard allowances are the foundation of a Universal Credit payment. Most claimants receive additional elements on top of the standard allowance.

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Additional Elements

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**Child element**: £333.33 per month for a first child (born before April 2017), £287.92 for second and subsequent children.

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**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.

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**Housing costs element**: Covers rent (to the Local Housing Allowance limit for private renters).

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**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.

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The Benefits Cap

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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.

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How to Claim

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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.

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