Guides
Plain-English guides to Universal Credit while you work. If you're new, start with the short guide.
Paying into a pension on UC: the short guide
The whole idea on one page, with simple flowcharts: what it costs you, whether it suits you, what to do every month, and what to do if DWP says no.
Read the short guide- Common questionsShort answers to the questions people ask most.
- Universal Credit rates 2026 to 2027Every main UC amount in one place.
Putting money into a pension
- How UC treats money you put into a pensionThe rule, what it's worth, and why it's allowed.
- Who it suitsAnd who should think twice.
- Reporting pension paymentsWhat to do each month, with messages you can copy.
- When DWP gets it wrongWhat to do, step by step.
Other rules worth knowing
- Savings and UCWhat counts, what doesn't, and the £6,000 and £16,000 limits.
- Self-employed? The minimum income floorWhen UC treats you as earning more than you do.