Find out what Universal Credit you could receive, how much Statutory Sick Pay you're entitled to, what Stamp Duty you'd owe on a property, and what the National Living Wage means for your payslip. Calculators built from official GOV.UK data, updated whenever the government changes the rates.
Whether you're moving onto Universal Credit for the first time, trying to understand a Statutory Maternity Pay calculation, checking whether a property purchase tips you into a higher Stamp Duty bracket, or confirming your employer is paying you the correct National Living Wage — the answer you actually need is a number that reflects your specific situation.
GOV.UK publishes the rates. What it doesn't offer is a tool that takes your income, your family size, your childcare costs, your housing costs, and tells you what you'd actually receive each month. That's what MyPaymentRates is being built to do.
The calculators launch in 2026. In the meantime, this page sets out the current key rates in plain English, with the source of each figure clearly stated, so you can verify them yourself.
Each will give you a personalised figure based on your circumstances — not just the headline rate.
Enter your household size, income, childcare costs, housing costs, and any health or disability elements. Get a monthly estimate of what you could receive — including the work allowance and taper rate applied to your earnings.
Check whether you qualify for SSP, for how long, and exactly how much your employer must pay you. Also covers what happens when SSP ends and how it interacts with Universal Credit.
Calculate your SMP entitlement week by week — the first six weeks at 90% of average earnings, then the flat rate for up to 33 weeks. See the full picture before going on leave.
Calculate the SDLT you'd owe on a property purchase in England, with correct handling of first-time buyer relief, surcharges for additional properties, and the nil-rate threshold.
Check your Child Benefit entitlement and whether the High Income Child Benefit Tax Charge applies to your household — including the threshold, taper, and whether it's worth claiming at all.
Check the correct minimum hourly rate for your age group, see how it has changed over time, and calculate whether your current hourly rate meets the legal minimum for your employer.
Last verified: March 2026. Source: GOV.UK. All figures for the 2025/26 tax year unless noted. Always confirm current figures at GOV.UK before making decisions.
Universal Credit replaced six legacy benefits — Income Support, income-based Jobseeker's Allowance, income-related Employment and Support Allowance, Housing Benefit, Child Tax Credit, and Working Tax Credit. If you're making a new claim, you'll claim Universal Credit rather than those older benefits.
Your UC payment is built up from several elements: a standard allowance (the baseline), plus additional amounts if you have children, a disability, caring responsibilities, or housing costs. The total is then reduced if you have savings above £6,000 or if you earn above the work allowance.
Many people are surprised to find that earning more money at work doesn't always lead to much more income overall. For every £1 you earn above your work allowance, your UC payment is reduced by 55p — the "taper rate." This means the effective benefit of a pay rise is smaller than it appears, and understanding the interaction between your wages and your UC amount is genuinely important when making work decisions.
The UC calculator we're building will show you this interaction clearly: enter your wages, and see exactly how your UC payment changes, so you know where you actually stand.
The rates shown above are for Stamp Duty Land Tax in England (and Northern Ireland). Scotland uses Land and Buildings Transaction Tax (LBTT) with different bands and rates. Wales uses Land Transaction Tax (LTT). All three are available on their respective government websites, and our full Stamp Duty calculator will cover all three jurisdictions.
The headline UC rate tells you almost nothing useful. What matters is what you'd actually receive given your income, your household, your housing costs, and your circumstances. Every calculator is built around your specific inputs.
Every rate on this site is taken directly from GOV.UK, HMRC, or the Department for Work and Pensions. We publish the source URL and the date we last verified each figure. If the government changes a rate, we update our site within days.
You don't need to create an account or hand over any personal details to use a calculator. Your inputs stay in your browser and are never sent to our servers. We don't know who you are, and we don't want to.
Most people look up benefit rates on a phone — often urgently, often on poor connections. Every page on MyPaymentRates is designed to load fast and work well on any screen size, without requiring an app download.