Pension Credit Calculator
Check your Pension Credit entitlement using DWP 2026/27 rates. Calculate Guarantee Credit top-up, Savings Credit for pre-2016 State Pension age claimants, and extra amounts for severe disability, carers, and children.
First £10,000 disregarded. £1/week per £500 above.
+£81.07/wk first child
+£69.98/wk each
You qualify for £53.00/week Pension Credit
Boosting your weekly income from £185.00 to £238.00.
Guarantee Credit
£53.00/wk
Min guarantee: £238.00/wk
Savings Credit
£0.00/wk
Not eligible (post-2016 SPA)
Total Pension Credit
£53.00/wk
Assessed Income
£185.00/wk
Effective: £238.00/wk after PC
Frequently asked questions
What is Pension Credit?
Pension Credit is a means-tested DWP benefit for people over State Pension age. Guarantee Credit tops up your weekly income to a minimum level (£238.00 single / £363.25 couple in 2026-27). Savings Credit is an extra payment for those who reached SPA before 6 April 2016, worth up to £17.96/week single or £20.10/week couple.
How much savings can I have?
There is no upper capital limit for Pension Credit. The first £10,000 is fully disregarded. Above £10,000, £1/week is assumed for every £500 (or part of £500). £20,000 in savings = £20/week tariff income.
What income doesn't count?
Attendance Allowance, Disability Living Allowance (DLA), Personal Independence Payment (PIP), Housing Benefit, Council Tax Reduction, and Winter Fuel Payment do not count as income for Pension Credit purposes.
What are the 2026/27 Pension Credit rates?
Guarantee Credit: £238.00/week single, £363.25/week couple. Savings Credit max: £17.96/week single, £20.10/week couple (pre-2016 SPA only). Severe disability addition: +£86.05/week. Carer addition: +£48.15/week. First child (born before Apr 2017): +£81.07/week. Standard child: +£69.98/week.
What about mixed-age couples?
Mixed-age couples (one below State Pension age, one above) cannot make new Pension Credit claims since 15 May 2019. They must claim Universal Credit instead until both have reached State Pension age.
Sources
Last updated May 2026. Reflects 2025-26 and 2026-27 DWP rates.
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