Have I worked out this UC correctly? Does anyone fancy helping me with maths?!

[MyVIsForVendetta]

If I am single, own my property, get the disabled child element, have two children, childcare £228 and my income £2000

That works out around £800 UC is that correct?

https://www.uceplus.co.uk/how-much-will-my-payment-be

Depends what rate and components of DLA your child is on and age of children. Also need to know monthly take home pay after deductions.

That could be right depending on ur income as me and my hubby both work and still get help from UC Altho u wouldn't get the housing element due to owning whereas we do as we rent

This.

OP, see https://www.citizensadvice.org.uk/benefits/universal-credit/on-universal-credit/check-how-much-universal-credit-youll-get/

I already said that.

My monthly income after deductions is 2000 and I get the disabled child element due to his DLA banding.

I also put the link to show how to work it out.

I was just asking if I worked it out correctly as I have dyslexia and have real trouble following instructions.

You didn't say whether your income was gross or net.
there are also two different levels of child disability rate- higher and lower depending what rate and components of DLA your child receives.
It also depends on the age of your kids.
It can be more accurate to just do a manual calculation which I was going to do for you.

Middle rate DLA, although I don’t think that’s calculated into UC, because it’s separate.
Kids are 12 and 5, I didn’t know their ages made any difference though, I must admit.

I did do a manual calculation which came to £800.

I was wondering if it was correct or whether I effed it up, which is likely!

The rate of DLA is relevant because on middle rate care you get the disabled child element which is £146.31 and on higher rate care you get the severely disabled child element which is £456.89.

The ages of the children are relevant because there was a change in 2017 which means you get more for your first child if they were born before then, less if they were born after.

I see! I’d didn’t know that, thank you.

Its definitely just the disabled child element.
One child before 2017, one child after.

Although that wasn’t stipulated in the link.

Also, I’ve noted the last two months UC have me down as earning 22209 and I’ve never earned that much.

2209

Do you have any savings? Anything under £6k is ignored, but £6k or over would be relevant.

No on the contrary. In debt ☹️

By my calculations your UC should be £726.34 a month. This is assuming no savings (or under £6k) and net monthly earnings of £2000.

Here's how I worked it out.

Maximum UC:
Standard amount £368.74
Child element £315 + £269.58 = £584.58
Disabled child element £146.31
Childcare element 85% of £228 = £193.80
Carer's element £185.86
TOTAL £1479.29

Deduction for earnings:
£2000 - £631 (work allowance) = £1369
55% of £1369 = £752.95

Actual UC:
£1479.29 - £752.95 = £726.34

However there might be some deductions if you are paying off any previous advance payments or benefit overpayments etc.

Do you get child maintenance, btw? It doesn't affect your benefit entitlement but is of course an extra source of income if you can get it.

You will get the single adult rate
Money for 2 children
Disabled child element
Carers element (amount of hours worked doesn't impact this)
Childcare

You will get the higher work allowance as you won't get the housing element - the amount you can earn before deductions

You should try the Turn2us calculator.

Just so you know, 100% amount of contributions to pension is disregarded as income. So now is a very good time to ask your employer to increase the pension contributions. You can use the Turn2us calculator and the salary calculator to work out what the optimum amount of pension contributions are without impacting your overall income combined

Thank you! That’s exactly how I did it, thanks for helping me.

I don’t get child maintenance yet, I’m leaving my husband the house is going on the market, I need to figure out what I can afford.

does child maintenance lower my UC?

I just used entitled to website and that said I’d get £406 in UC so I’m not sure how I buggered that one up

No child maintenance won't affect your UC at all.

However if you are in the process of divorcing and there will be a financial settlement, that will be relevant. For example if the house is sold and you get a share of the equity, it can be ignored for a certain amount of time but not indefinitely unless you are using it to buy a new home.

Have a read through this, it's really helpful.
https://www.advicenow.org.uk/guides/survival-guide-sorting-out-your-finances-when-you-get-divorced
(you don't have to pay to download it, you can just scroll down to read it)

Thank you! I will have a read.
From what I’ve gathered it’s 6 months that equity can be “ignored” for if intended to buy a property.

Yes but it can be ignored for longer than 6 months if you are taking "reasonable steps" for example are in process of buying but haven't completed yet.

Ah, that’s good to know.
I was thinking of renting to break the chain and make buying easier, but actually that could bite me on the bum by the sounds of it.

edited - wrong post