You may be able to claim Universal Credit if you’re on a low income, out of work or unable to work, usually live in the UK and are aged 18 or over but below State Pension age. Your earnings, savings and household circumstances are considered; savings over £16,000 usually mean you cannot claim, while savings between £6,000 and £16,000 may reduce your payment. Couples generally make a joint claim, and other rules can apply to students, young people and people with immigration restrictions. Check the latest criteria and use the benefits calculator on GOV.UK, as only the Department for Work and Pensions can decide your entitlement.