You may be able to claim Universal Credit if you live in England, are aged 18 or over, are below State Pension age and have a low income or are out of work. If you live with a partner, you usually make a joint claim and both partners’ income and savings are considered. Savings and investments of £16,000 or more normally mean you cannot claim, while amounts between £6,000 and £16,000 can reduce your payment. There are exceptions for some 16- and 17-year-olds and students, so check the eligibility rules on GOV.UK for your circumstances.