UK Benefits Gap Calculator

Are you better off
not working?

Type in your salary. See exactly what the state pays people who don't. Real 2026/27 figures.

Your household
Housing situation

What do you earn per year?

Your income
£ /yr
GO

You're better off working by

£0 per year

£0 per month

If you work

—

per year net

    If you stop working

    —

    per year equivalent

      —

      Post on X

      How we calculated this — 2026/27 rates

      UC: Single 25+ £424.90/mo (+6.1% Apr 2026); couple £667.15/mo; child element £287.92/mo per child (2-child limit removed Apr 2026). Housing at LHA rates: 1-bed avg £850/mo, 2-bed avg £950–1,050/mo (+5.7% CPI). Council tax relief = full CTS, avg Band B England. NHS = prescriptions (£9.90 × 20 avg items), dental, eye tests + vouchers. Child Benefit: £26.05/wk first child, £17.25 additional. Free school meals extended to all UC households 2026 (£500/child/yr). Leisure includes Passport to Leisure, council leisure discounts, cinema concessions.

      Not included above — free childcare: 15 hrs/wk for all 2-year-olds and 3–4-year-olds on UC (worth £3,990–£5,700/yr per child). In London LHA can be double the national average shown.

      Take-home: 2026/27 income tax (PA £12,570 / 20% basic / 40% higher) + Class 1 NI (8% on £12,570–£50,270, 2% above). No pension deduction. Illustrative only. Not financial advice. entitledto.co.uk for a full personal calculation.