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
About you

Standard allowance a month

Couples make one joint claim and get one standard allowance between them.

Rent

No housing element

Children

Every child gets an element. The two-child limit ended on 6 April 2026.

Health and caring

Not assessed as having limited capability

Decided by a Work Capability Assessment. Which rate depends on when you reported the condition.

They must get a qualifying disability benefit. One person cannot hold both this and a health element.

Money coming in

After tax, National Insurance and pension. For a couple, both of you together.

Money, investments and any property other than the home you live in.

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

£424.90

Estimated monthly Universal Credit · 2026/27 rates

Single, 25 or over · 2026/27 · No rent to pay

Monthly award
£424.90
Maximum UC
£424.90
Taken off
£0.00

No work allowance applies

A week£98.05
A fortnight£196.11
A year£5,098.80
Share of your maximum you keep100%
With no work allowance, every pound earned reduces the award by 55%.
ElementMonthly
Standard allowance£424.90
Your award£424.90
What makes up the total
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.

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.

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 foster placement 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 less than £16,000.00 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 £16,000.00 or more, 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 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