Universal Credit Calculator

Bedroom Entitlement Calculator

Work out how many bedrooms Universal Credit says your household needs: the number behind both the LHA cap and the bedroom tax.

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

Last updated

Your details
Who lives with you

A couple share one bedroom, unless a disability means they cannot.

Grown-up children, relatives or friends. Each is allowed a room of their own.

Do not count them again above. They are outside the sharing rules.

A carer who regularly stays over adds a bedroom, even if nobody sleeps in it every night.

Adds one bedroom however many children are placed, and for up to 12 months between placements. Do not count foster children above.

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

1

bedroom allowed · 2026/27 rates
Bedrooms allowed
1
LHA rate that applies
1 bedroom

If you rent privately

Children counted
0

Including any who cannot share

This one number drives both the LHA cap if you rent privately and the spare-room reduction if you rent socially.
WhoBedrooms
YouOne bedroom1
Total allowed1

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.

Bedroom entitlement is the most consequential number in a housing calculation, and the one nobody is ever shown. It decides which Local Housing Allowance rate caps a private rent, and whether a social tenant is under-occupying and losing 14% or 25%.

It is worked out entirely from who lives with you, never from the property. You get a room; a partner shares it; every other adult gets one of their own. Children under 10 are expected to share with any other child, and children aged 10 to 15 only with a child of the same sex. This calculator applies those rules and shows the working.

Who it is for

Who uses the Bedroom Entitlement Calculator?

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

  • A child is about to turn 10 or 16

    Both birthdays can change how many bedrooms you are allowed, and the change only counts from the assessment period you report it in.

  • You are bidding on a property

    Work the entitlement out first. It decides which Local Housing Allowance rate caps a private rent, and whether a social tenancy will be treated as under-occupied.

  • An adult is joining or leaving the household

    An adult adds a room and, from age 21, a £96.55 monthly deduction. This shows which way the two pull for your household.

  • You are checking an under-occupancy letter

    A social landlord's letter tells you the property size. The entitlement is the other half of the sum, and it is the half that gets disputed.

In detail

Why do two households the same size get different entitlements?

Because the ages and sexes of the children do the work, not the headcount. Two children under 10 are expected to share whatever their sexes, so a single parent with a boy of eight and a girl of nine is allowed two bedrooms in total. Move those same two children on a year each and the elder is 10, they are no longer expected to share, and the household is allowed three. Two children aged 10 to 15 still share if they are the same sex, so a family with two teenage boys is allowed fewer rooms than the identical family with a teenage boy and a teenage girl. From 16 everyone is counted on their own. That is why the same number of people can produce two, three or four bedrooms, and why the number changes on birthdays nobody flagged in advance.

In detail

Who counts as part of my household for bedrooms?

A narrower list than most people expect. It is you, your partner, every child or qualifying young person you are responsible for, and every non-dependant who normally lives in the accommodation. Four groups are deliberately outside it, and each one surprises somebody. A lodger or boarder paying you on a commercial basis is not counted, so taking one in adds no room and does not stop a spare room being spare, even though their payments are ignored as income. A foster child is not counted either, because fostering is handled by a separate extra-room rule rather than by the headcount. A child nobody in the household is responsible for is not counted. Nor is anyone already counted as a non-dependant on somebody else's claim for the same address. Get the list wrong at the start and every figure after it is wrong too.

In detail

What happens when my child turns 10 or 16?

The entitlement changes on the birthday, and your award changes from the assessment period you report it in. A change of circumstances normally takes effect from the first day of the assessment period in which it happened, but a change in your favour reported after that period has closed only takes effect from the period you reported it. A tenth birthday that ends a mixed-sex sharing expectation, and a sixteenth that turns a child into someone counted on their own, are both exactly that kind of change. For a private renter the gain is the gap between two Local Housing Allowance bands in your area, which in an expensive market is substantial. For a social renter the same birthday can remove a spare bedroom and with it the whole under-occupancy reduction. Put it in your journal in the month it happens rather than assuming it will follow.

In detail

Does an extra bedroom always mean more money?

No, and it stops mattering in two places. For a private renter the element is never calculated above the four-bedroom rate, whatever the entitlement. A household allowed six bedrooms gets the four-bedroom rate for its area, so the fifth and sixth rooms are worth nothing and the shortfall grows with every extra person. For a social renter an entitlement above the size of the property is worth nothing either, because the reduction only bites where the property has more bedrooms than the entitlement. Being allowed five rooms in a three-bedroom house changes nothing at all. And an adult moving in can add a room and still leave you worse off: they raise the entitlement, but from age 21 they also cost £96.55 a month, deducted after everything else. Whether that is a net gain depends on the gap between two bands in your area.

Recent changes

What changed for bedroom entitlement in 2026/27?

None of the sharing rules. The ages, the same-sex rule from 10 to 15, the room for every adult, the extra rooms for an overnight carer, a disabled child, a disabled partner who cannot share, a foster carer and an armed forces child, and the four-bedroom ceiling for private renters are all as they were. One change elsewhere is often assumed to have reached this: the two-child limit ended on 6 April 2026, but it never touched bedroom entitlement. Every child you are responsible for has always counted towards the number of rooms, however many there are, because the limit applied to the child element and not to the size criteria. What did move is what the number is worth. Local Housing Allowance is frozen for 2026/27 at September 2023 rents, so moving up a band buys what it bought three years ago, and the 14% and 25% reductions are unchanged.

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.

  • Counting a lodger as part of the household

    A lodger or boarder paying on a commercial basis sits outside the household for these rules. They add no bedroom, and in a social tenancy they do not stop a room being spare.

  • Assuming a shared-care child counts twice

    A child in a shared care arrangement counts towards one household's entitlement, the one treated as responsible for them. The other parent gets no room for the nights they have them.

  • Waiting to report a birthday

    A change in your favour reported after the assessment period has closed only takes effect from the period you report it. A tenth birthday reported three months late costs three months of the difference.

  • Expecting the extra rooms to apply themselves

    The room for an overnight carer, a disabled child or partner who cannot share, a foster carer or an armed forces child each has to be claimed and evidenced. None appears just because the qualifying benefit is already on the claim.

  • Planning a move on an entitlement above four bedrooms

    Local Housing Allowance is never calculated above the four-bedroom rate. A private renter allowed five or six rooms gets the four-bedroom rate and finds the rest, so the gap widens with each extra person.

  • Forgetting an adult brings a deduction as well as a room

    An adult non-dependant adds a bedroom and, from age 21, takes £96.55 a month off the element. Whether they leave you better off depends on the gap between the two rates in your area.

Questions

Frequently asked questions

The questions people ask most about Bedroom Entitlement 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