Universal Credit is a monthly payment that may help with living costs, housing, childcare and caring responsibilities, depending on your circumstances. In 2026, payment rates and work-related rules may change, so check the latest figures and eligibility guidance on GOV.UK before applying. You normally apply online and must report changes such as income, rent, living arrangements or health. Your actual entitlement is calculated by the Department for Work and Pensions, or the relevant authority in Northern Ireland, using your individual circumstances.