# Am I eligible for Universal Credit?

> Eligibility · Last reviewed 22 August 2026

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## In short

You can usually claim Universal Credit if you're 18+, under State Pension age, live in the UK, have savings under £16,000 and (with a partner) claim jointly. The detail depends on income, housing costs, health and children.

Universal Credit (UC) is the main UK working-age means-tested benefit. It replaced six older benefits and is now the default for new claims. The amount you get depends on a monthly assessment of your circumstances.

Typical amount: Standard allowance £424.90/mo (single 25+, 2026/27) + elements for children, housing, health, childcare — varies widely

## Who usually qualifies

- You're 18+ (some exceptions from 16) and under State Pension age
- You live in the UK and have a right to reside
- Savings (yours plus partner) are under £16,000
- You're on a low income or out of work — including some working full-time
- You're claiming jointly with your partner if you live together

## Who usually does not

- You have savings of £16,000 or more (joint)
- You're at or over State Pension age (claim Pension Credit instead)
- You don't satisfy the right-to-reside / habitual-residence test
- Some students (with limited exceptions)

## How to check

- Free benefits calculators (Turn2us, EntitledTo, Policy in Practice) are listed at gov.uk/benefits-calculators
- Full eligibility guidance is published at gov.uk/universal-credit/eligibility
- Citizens Advice offers free, independent help with UC questions, including how it interacts with Tax Credits and Housing Benefit

## Frequently asked questions

### Will Universal Credit affect my Tax Credits?

Yes — claiming UC ends Tax Credits the same day. If you've received a Migration Notice, follow its deadline carefully; missing the deadline ends Tax Credits and may delay UC.

### Can I work and claim UC?

Yes. UC tapers as earnings rise — currently 55p of UC is withdrawn for every £1 of net earnings above any work allowance. Work allowances apply if you have children or limited capability for work.

### Does my partner's income count?

Yes — UC is a household benefit. You must claim jointly if you live with a partner; their income, savings and capability for work all affect the award.

## Sources

- [GOV.UK — Universal Credit eligibility](https://www.gov.uk/universal-credit/eligibility)
- [GOV.UK — Benefits calculators](https://www.gov.uk/benefits-calculators)
- [GOV.UK — How to claim Universal Credit](https://www.gov.uk/universal-credit/how-to-claim)

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.