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How the UC while also working works out?

4 replies

GoldenPearls · 05/02/2026 19:46

I had a thread about 18 years old and UC claiming. But since I don't know much about the reality of this benefit, how UC actually works out in real life and how much is given out?

Can I get examples of how much is given added to all other benefits, if people are renting for example and the other kind , how much is given if the person has their own home?

OP posts:
CDTC · 05/02/2026 19:48

There's a benefit calculator on turn2us.org.uk, you could have a play around with different circumstances and see for yourself.

GoldenPearls · 05/02/2026 19:55

CDTC · 05/02/2026 19:48

There's a benefit calculator on turn2us.org.uk, you could have a play around with different circumstances and see for yourself.

Thank you

OP posts:
Bromptotoo · 05/02/2026 20:12

Universal Credit (UC) is the 'safety net' benefit; it's intended to stop the jobless, those with health or disability problems and the low paid from falling into poverty.

It starts by setting our what the rules say you need to live on.

If you're single with no dependants, in OK health, not a Carer and don't pay rent you'll get £400.14/month to keep body and soul together.

If you work and are on PAYE then you lose 55p of UC for every £1 you earn. UC calls this the taper.

When your employer runs payroll and reports earnings to HMRC the net earnings figure is passed to UC and claimant's monthly UC is reduced by 55p/£1 as above.

If you've got kids and/or have a health problem affecting capacity for work then you might get a Work Allowance; you can keep some earnings before the taper kicks in.

If you've questions about a new claim to UC then Help to Claim is a decent start point.

Contact us about a Universal Credit application

Get help making a new claim for Universal Credit, from the making the application through to getting your first correct payment.

https://www.citizensadvice.org.uk/benefits/universal-credit/claiming/contact-us-about-universal-credit/

tattychicken · 06/02/2026 05:37

It’s less for under 25s, currently £316.98.

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