Universal Credit Calculator

Administrative Earnings Threshold Calculator

Check whether your gross employed pay reaches the Universal Credit AET of £991 a month, or £1,597 between a couple, and what crossing it changes.

Looking for the rules behind the figures instead? Read How Universal Credit is calculated.

Last updated

Your details
Who is claiming

Tested on your own earnings

National Living Wage, £12.71 an hour

The threshold is the same at every age. The hours that reach it are not.

What you earn

The usual way people know their pay

Before tax, National Insurance and pension.

Every employer is added together. There is no test per job.

Earnings that do not count

Excluded from this test by regulation 99(6). Entered so you can see it left out.

If it does, regulation 90(5) ends every work-related requirement and this test never runs.

Earnings well over your limit in an earlier period. This tool declines these cases rather than guessing at them.

Good to know

  • Every figure updates as you answer. There is nothing to submit.
  • The calculation runs in your browser, so nothing you enter is sent anywhere.
  • Rates are the published 2026/27 figures, in force since 6 April 2026.

Reviewed by

MR
Matilda Rose Edwards

Researcher and editor

Researches and maintains the calculators and guides on this site, checking every figure against the rates DWP publishes for the current tax year.

Your estimate

Light touch

Your work search regime this assessment period · 2026/27 rates

No work search requirement can be imposed

Gross employed earnings counted
£991.38
Threshold that applies
£991

18 hours a week at the National Living Wage

Headroom above it
£0.38
Your own gross employed earnings reach the individual threshold, so regulation 99(6)(a) bars a work search or work availability requirement. Your payment is untouched by this: the award, the work allowance and the 55% taper are identical either side of the line.
A week£228.78
A fortnight£457.56
A year£11,896.56
Hours a week that reach it at your rate18 hours
Gross pay, before tax, National Insurance and pension. Crossing this line changes what you have to do, never what you are paid.
Monthly
Your gross employed earnings£991.38
Individual threshold18 hours a week at the National Living Wage£991
Above the threshold by£0.38
Before and after

Disclaimer: This tool does not constitute financial advice. Results are estimates based on the information you enter and the published rates at the time of writing, and may be affected by changes in policy, rates or your own circumstances. Use them at your own risk and take professional advice before acting on them.

How it works

How is it worked out?

What this tool does that the others do not, and the order it works in.

The Administrative Earnings Threshold decides what you have to do, not what you are paid. At or above it, DWP is barred from imposing a work search requirement or a work availability requirement, so the regular work coach appointments stop. Below it, both normally apply and failing one can be sanctioned. Your award, your work allowance and the taper are identical on either side of the line.

The test runs on gross employed earnings in the assessment period, before income tax, National Insurance and relievable pension contributions, and self-employed profit is excluded from it altogether. This tool applies both halves of regulation 99(6): your own earnings against £991, and, if you have a partner, your combined earnings against £1,597. They are alternatives rather than a single household test, so it answers for each of you separately.

Neither figure is typed in here. Regulation 99(6) is written in hours, 18 a week for a single claimant and 29 between a couple, at the National Living Wage, so the cash threshold rises on its own every 1 April with no new law. This page works it out from £12.71 an hour, which is why it cannot quietly go stale the way a page that quoted the pounds does.

Who it is for

Who uses the Administrative Earnings Threshold Calculator?

The situations this tool is built to settle, and what each one is trying to find out.

In detail

Is the Administrative Earnings Threshold an earnings limit?

No, and this is the most damaging thing said about it. It is not a cut-off, your Universal Credit does not stop when you cross it, and nothing about your payment changes. What changes is what DWP can ask of you. Regulation 99(6) bars a work search requirement and a work availability requirement once your earnings reach the threshold, so the regular work coach appointments stop and you move into what DWP calls the light touch regime. Drop back under it and both requirements can be imposed again. The award is worked out identically either side of the line: your maximum award, less 55p for every pound of net earnings above any work allowance of £427.00 or £710.00. There is no limit on the hours you can work on Universal Credit and no earnings figure at which it is switched off. The award tapers to nothing at a point that depends on which elements you have, which is a different question with a different answer for every household.

In detail

Why does the threshold go up every April without a new law?

Because regulation 99(6) is written in hours rather than pounds. It sets 18 hours a week for a single claimant and 29 between a couple, paid at the hourly rate in regulation 4 of the National Minimum Wage Regulations, converted to a monthly amount by multiplying by 52 and dividing by 12. Put £12.71 an hour through that and a single claimant gets £991.38. Regulation 6(1A) then disregards the fraction of a pound, so the operative figure is £991, not £991.38. That rounding is not cosmetic. Someone earning a few pence over £991 is above the threshold, even though respected advice sites publish the unrounded number and would place them below it. Because the wage does the work, no statutory instrument is needed when the threshold moves, which DWP states in terms: the AET is based on National Living Wage rates, and when the wage increases the AET rises too. It is also why so much of the web is wrong. Those pages were right on the day they were published and went stale on an April nobody edited them.

In detail

Is there an 18 hour rule for Universal Credit?

No. There is no 18 hour rule and there never has been. The phrase is a folk name for this threshold and it comes from one arithmetic coincidence: 18 hours a week at the National Living Wage happens to be £991 a month, which is the threshold. The rule is about money, not hours. Earn £991 in ten hours and you are above it. Earn less than that in fifty and you are below it. At £14.30 an hour you reach it in 16 hours. Hours only become a fixed answer once you fix the rate, and even then they differ by age, because the threshold always uses the 21-and-over National Living Wage while your own pay may not: someone aged 18 to 20 on £10.85 needs 22 hours, and an apprentice on £8.00 needs 29. Nor is there a maximum. GOV.UK is explicit that there is no limit to how many hours you can work and still get Universal Credit, which is the part the old tax credits rules about 16, 24 and 30 hours still confuse people about.

In detail

Is the threshold worked out on gross or net pay?

Gross. Regulation 90(6)(a) defines monthly earnings as earned income before any deduction for income tax, national insurance contributions or relievable pension contributions, and GOV.UK's guidance has said exactly that since 19 August 2025. It is worth saying twice because DWP has not always applied its own guidance. In Gordon Bowen v SSWP [2026] UKUT 224 (AAC), decided on 15 June 2026, DWP took £87.49 of relievable pension contributions off a couple's £1,508.41 of gross earnings, arrived at £1,420.92, treated them as below the couple threshold then in force of £1,437, imposed a work search requirement and sanctioned the claimant for 28 days when he did not meet it. The Upper Tribunal allowed the appeal, held that monthly earnings for this purpose are calculated gross rather than net of the specified deductions, and directed DWP to remove the sanction and pay the arrears. The case did not change the law and did not correct the published guidance, which was already right. It confirmed both against the way the decision had actually been made. The judgment is free to read in full at the National Archives, and the practical lesson is short: use the gross figure on your payslip, and if a decision has been made on anything else, say so in your journal and cite the case.

In detail

What happens when only one of you is working?

This is the case nearly every other page states in a sentence and never works out, and it is the one that fills the forums. Sub-paragraphs (a) and (b) of regulation 99(6) are alternatives joined by "or", so a joint claim is tested three ways, once per person and once on the combined figure, and the two of you can land in different regimes. Take a couple where one partner works 28 hours a week at £12.71 and the other does not work at all. The earner is on £1,542.15 a month, comfortably over the individual threshold of £991, so nothing can be required of them. The combined figure is the same £1,542.15, which is under the couple threshold of £1,597, and the other partner has nothing of their own, so they stay in Intensive Work Search and must look for work. One extra hour a week for the earner takes the household to £1,597.22 and over the couple threshold, and at that point both of them are covered by sub-paragraph (b). One hour of somebody else's work ends the second person's work search requirement, without their own earnings moving a penny.

In detail

Which earnings count towards the threshold?

Employed earnings only, and gross. Every job counts and they are added together: the regulation refers to your monthly earnings, not to earnings from one employment, so there is no per-job test. Statutory sick pay, maternity, paternity, adoption, shared parental, bereavement and neonatal care pay are all treated as employed earnings by regulation 55(4), so they count too. Self-employed profit does not count at all. Regulation 99(6) excludes earnings that are not employed earnings, and GOV.UK puts it flatly: if you have self-employed earnings, these will not count towards the AET. So a claimant with £600 of wages and £900 of profit is tested on the £600 and sits below the threshold, despite £1,500 coming in. The exception runs the other way. If you are gainfully self-employed and the minimum income floor applies to you, regulation 90(5) treats you as meeting your individual threshold, so no work-related requirement of any kind applies and this test never runs. Where earnings fluctuate, regulation 90(6)(b) takes a monthly average over one pay cycle, or over three months where there is no identifiable cycle, so a single thin month is not necessarily the figure used. And if a job has just ended, the closing words of regulation 90(6) let DWP disregard the final pay packet, a discretion exercised case by case rather than a result this tool can predict.

In detail

Has the Conditionality Earnings Threshold been abolished?

No. It is a live question because the two thresholds are constantly confused, so here is the position, checked on 11 September 2026. Regulation 90 of the Universal Credit Regulations 2013 is unamended since July 2016 and legislation.gov.uk reports no outstanding effects on it. GOV.UK's "Universal Credit and earnings" guidance still carries a section headed "The Conditionality Earnings Threshold (CET)" as at its last update on 1 April 2026. And the Office for Budget Responsibility used the CET as a current category in its Welfare trends report of June 2026. The difference between the two matters. The AET is the same for everyone, 18 or 29 hours at the 21-and-over National Living Wage, and it switches off work search and work availability only. The CET is personal: your expected hours, normally 35 a week, at the minimum wage for your age, which is £1,927 a month for a claimant of 21 or over on full expected hours. Reaching it ends every work-related requirement, not just two of them.

Recent changes

What changed for the Administrative Earnings Threshold in 2026/27?

The money moved and the rule did not. On 1 April 2026 the National Living Wage rose to £12.71 an hour and the threshold rose with it, from £952 to £991 for a single claimant and from £1,534 to £1,597 for a couple. No statutory instrument was needed and none was made, which is why the change is easy to miss and why so many pages are still quoting last year. The hours have not moved since 13 May 2024, when S.I. 2024/536 took the single figure from 15 hours to 18 and the couple figure from 24 to 29. Nothing else about the test changed: still gross, still employed earnings only, still applied per assessment period, and still with no effect on what you are paid. The next move is 1 April 2027, when the wage rises again and this page recalculates itself.

Rates

What figures does it use?

Every amount is 2026/27 and is read from the same table the calculator runs on, so the page and the tool cannot drift apart.

Is the figure you read elsewhere still current?

Every threshold published since the rule moved to hours

In force fromSingleCoupleSet by
26 September 2022£494£782S.I. 2022/886
30 January 2023£617£988S.I. 2023/7
1 April 2023£677£1,083Wage uprating
1 April 2024£743£1,189Wage uprating
13 May 2024£892£1,437S.I. 2024/536
1 April 2025£952£1,534Wage uprating
1 April 2026£991£1,597S.I. 2026/357
  • Rows with no statutory instrument moved because the National Living Wage moved. The threshold follows it automatically.
  • Before 26 September 2022 the threshold was a jobseeker's allowance personal allowance plus £5 single or £10 for a couple, not hours at a wage, so it is not in this table.
How many hours a week reach the threshold?

The pounds are the same at every age. The hours are not.

Paid atHoursGross a month
21 and over, £12.7118£991.38
18 to 20, £10.8522£1,034.37
Under 18 or apprentice, £8.0029£1,005.33
  • It is a pay threshold, not an hours rule. At 16 hours a week you reach it on £14.30 an hour whatever your age.
Better Off In Work Calculator: what the extra hours are worth
Which Universal Credit threshold is this?

Five figures, five different jobs, one of them yours

ThresholdMonthlyWhat it decides
Administrative Earnings Threshold£991 or £1,597Whether you must look for work
Work allowance£427.00 or £710.00When the taper starts eating your award
Conditionality Earnings Threshold£1,927Whether any work-related requirement applies
Minimum income floor£1,927.68 grossWhat a self-employed claimant is assumed to earn
Benefit cap earnings exemption£881.00Whether the benefit cap applies at all
  • The Conditionality Earnings Threshold shown is a single claimant on the default 35 expected hours. Unlike the AET it uses the minimum wage for your age, so it is lower if you are under 21.
The taper rate: what you keep when you work more

Eligibility

Can you claim Universal Credit?

The conditions that let you claim, and the ones that rule it out.

You can usually claim if

  • You are 18 or over and under State Pension age, with some exceptions at 16 and 17.
  • You live in the UK and meet the residence and presence conditions.
  • You and your partner have £16,000.00 or less in savings and capital between you.
  • You are in work, out of work, or unable to work. Universal Credit covers all three.

You cannot claim if

  • Your capital is more than £16,000.00, whatever your income.
  • You are in full-time education, unless you have children, a disability or a partner who can claim.
  • You are subject to immigration control with no recourse to public funds.
  • You and your partner are both over State Pension age. Pension Credit applies instead.

Process

How do you claim?

Three steps, in the order they have to happen.

  1. Get your figures together

    Your rent and what it includes, your last few payslips, childcare invoices, and the balance of every account you and your partner hold. Estimating the rent is the single most common reason an estimate comes out wrong.

  2. Make the claim online

    Claims start at GOV.UK and need an email address, bank details and ID. Couples make one joint claim, both partners signing in separately. Your first assessment period starts the day you claim, which fixes every payment date afterwards.

  3. Report changes as they happen

    A change of rent, hours, childcare or household is reported through your journal, and it takes effect from the assessment period it falls in, not from the day you tell them. Late reporting is what turns an underpayment into an overpayment.

The first payment takes about five weeks

Universal Credit is paid a month in arrears, so the first payment lands roughly five weeks after you claim. You can ask for an advance to cover the gap, but it is a loan. It comes back out of later payments.

Watch out

What do people get wrong?

The mistakes that actually cost claimants money, rather than the ones that are easy to list.

Questions

Frequently asked questions

The questions people ask most about Administrative Earnings Threshold Calculator and the figures behind it.

References

Sources

Figures on this page are taken from the following primary sources and were last checked on 7 September 2026.

Reviewed by

MR
Matilda Rose Edwards

Researcher and editor

Researches and maintains the calculators and guides on this site, checking every figure against the rates DWP publishes for the current tax year.

Published