UK Working Tax Credit & CTC Calculator 2025/26

Estimate Working Tax Credit (WTC) and Child Tax Credit (CTC) entitlement 2025/26. Note: WTC/CTC is being replaced by Universal Credit (UC) for new claimants.

Notice: Working Tax Credit and Child Tax Credit are being replaced by Universal Credit. New claims are not accepted. Existing claimants are being migrated by 2025.

Your Circumstances

Combined gross income for the household
30h+ bonus element applies
Children under 16 (or under 20 in approved education)
Joint claim with partner

WTC/CTC Entitlement 2025/26

Max WTC entitlement£3,295/year
Income taper (41% above £7,455)- £5,143
Income too high for WTC/CTC entitlement at this level.

Come utilizzare UK Working Tax Credit & Child Tax Credit Calculator 2025/26

Enter your household income

Enter the combined annual gross income for your household. WTC is means-tested: payments taper at 41p for every £1 above the income threshold (£7,455).

Enter hours worked per week

You must work at least 16 hours/week (with children or disability) or 24 hours (couples) or 30 hours (single). A 30-hour bonus element applies for working 30+ hours.

Enter number of children

Child Tax Credit (CTC) is calculated separately: £545 family element + £3,235 per child. For children born before 6 April 2017, there is no two-child limit.

Suggerimenti

  • WTC is being replaced by Universal Credit. Use the government's eligibility checker at gov.uk/check-benefits-financial-support.
  • If you are migrating from WTC to UC, you may receive transitional protection to maintain your current benefit level.
  • Childcare costs up to 85% can be claimed through UC, compared to the WTC Childcare element (70%).
  • WTC and CTC are paid weekly or 4-weekly directly into your bank account by HMRC.

Domande frequenti

What is Working Tax Credit (WTC)?

WTC is a means-tested payment for people who work and are on a low income. It is being gradually replaced by Universal Credit (UC) for new claimants. Existing WTC/CTC claimants are being migrated to UC.

Is WTC still available?

New claims for WTC/CTC closed in 2019. DWP is migrating all existing claimants to Universal Credit by 2025. If you currently claim WTC, check your migration timeline at gov.uk/universal-credit.

How does the income taper work?

For every £1 of income above the threshold (£7,455), your WTC is reduced by 41p. The reduction applies first to WTC and then to CTC until entitlement reaches zero.

How does Universal Credit differ from WTC?

Universal Credit replaces WTC, CTC, Housing Benefit, Income Support and more into a single payment. UC uses a monthly assessment period and a different taper rate (55p per £1 earned above the work allowance).