Question 1

Is this Universal Credit calculator free?

Accepted Answer

Yes. Every calculator on the site is free, requires no sign-up, and works entirely in your browser.

Question 2

Which year's rates does it use?

Accepted Answer

The 2026/27 rates, in force from 6 April 2026. That uprating also ended the two-child limit and split the health element into two rates, and both changes are built into the calculators.

Question 3

Has the two-child limit really ended?

Accepted Answer

Yes. It ended on 6 April 2026, and Universal Credit now includes a child element for every child you are responsible for, however many there are.

Question 4

How accurate is the estimate?

Accepted Answer

It applies the published element rates, work allowances and the taper to the details you enter. It is an estimate for guidance, not a DWP decision. Sanctions, deductions for advances or arrears, and the benefit cap can all change what you actually receive.

Question 5

Do you store what I type in?

Accepted Answer

No. The calculation runs in your browser and nothing you enter is sent to or stored on a server.

Question 6

Can I use this figure to challenge a DWP decision?

Accepted Answer

Treat it as a sanity check that something may be wrong, then ask for a mandatory reconsideration within one month and get advice from a welfare rights service before you go further.

Frequently asked questions

Common questions