Universal Credit may be available if you’re on a low income, out of work or unable to work, usually if you’re 18 or over, under State Pension age and have savings of £16,000 or less. Your monthly award is based on a standard allowance, with possible extra amounts for children, housing, childcare, caring or health conditions. Earnings, savings, other benefits and deductions can reduce the amount, so there is no single payment figure. Use the official GOV.UK benefits calculator for an estimate and check the latest eligibility rules before applying.