Free tool
Savings threshold visualiser
Universal Credit has two capital limits: £6,000 and £16,000. Move the slider to see what happens at each level. Couples share one set of limits. Indicative only.
£8,000of £25,000 shown
£0£6k£16k£25k
May vary depending on assessment timing
In the tariff zone. DWP treats you as having £34.80 of extra monthly income (£4.35 for every £250 above £6,000). Your UC is reduced, but not stopped.
Estimate only. This is based on the information you entered. Universal Credit calculations can vary depending on your full circumstances and the DWP's own assessment. The DWP makes the final decision.
Common situations
What counts as capital?
Usually counts
- • Current and savings accounts
- • Cash ISAs and stocks & shares ISAs
- • Premium Bonds
- • Statutory redundancy pay
- • Inheritance (once received)
- • Second properties
Usually ignored
- • Your main home
- • Personal possessions
- • Pensions you haven't drawn yet
- • Some compensation payments (first 12 months)
- • Business assets if self-employed
Want a full eligibility view?
The free 15-question benefit check factors in your savings, household and housing.
Start your benefit check