Better off calculator

Three quick steps to see how much more money you'd have each month in a new job compared with being out of work on Universal Credit.

Do you live…

Are you aged 25 or over?

Number of children you look after

You could be better off by

£586.27

a month · £4.51 per hour worked

Monthly	Not working	Working
Wages (before tax)	£0.00	£1,587.30
Income tax	£-0.00	£-107.96
National Insurance	£-0.00	£-43.18
Universal Credit	£1,050.14	£260.25
Rent	£-650.00	£-650.00
Childcare	£0.00	£-0.00
Travel to work	£0.00	£-60.00
Left to live on	£400.14	£986.41

A simple estimate using approximate 2025/26 Universal Credit, tax and National Insurance rates. It doesn't include savings, disability, council tax support or rent caps. For a full check use GOV.UK benefits calculators.