Pension Credit Calculator
Estimate your 2025/26 Pension Credit. See how much Guarantee Credit could top your weekly income up to £227.10 (single) or £346.60 (couple), and whether savings reduce your award.
Pension Credit calculator
Estimate weekly Guarantee Credit. 2025/26 rates.
A guide only. Apply or check exactly on GOV.UK Pension Credit.
How Pension Credit works
Pension Credit is an income top-up for people over State Pension age on a low income. It has two parts. Guarantee Credit lifts your weekly income up to a guaranteed minimum; Savings Credit is a small extra reward for people who saved towards retirement (only available if you reached State Pension age before 6 April 2016). This calculator estimates Guarantee Credit, the main element most people claim.
For 2025/26, Guarantee Credit tops your income up to £227.10 a week if you are single, or £346.60 a week for a couple. If your weekly income is below that, Pension Credit usually pays the difference.
2025/26 Pension Credit rates
| Guarantee Credit (weekly) | Minimum guarantee |
|---|---|
| Single person | £227.10 |
| Couple | £346.60 |
| Severe disability extra (each) | £82.90 |
| Carer addition | £46.40 |
Source: GOV.UK — Pension Credit, 2025/26.
How savings affect your claim
The first £10,000 of savings and capital is ignored entirely. Above that, the DWP treats every £500 (or part of £500) as £1 a week of income — called "deemed income" — which reduces your Guarantee Credit pound-for-pound. There is no upper savings limit for Pension Credit, unlike Universal Credit.
Why Pension Credit is worth claiming
Around 760,000 eligible pensioners miss out, leaving an estimated £2.2 billion unclaimed each year. Getting even a few pence of Pension Credit can passport you to Housing Benefit, Council Tax Reduction, the Warm Home Discount, help with NHS dental and glasses costs, and a free TV licence if you are 75 or over.
Frequently asked questions
What is the Pension Credit threshold for 2025/26?
Guarantee Credit tops your weekly income up to £227.10 if you are single, or £346.60 for a couple, in 2025/26. If your income is already above that level you usually will not get Guarantee Credit, though you may still get Savings Credit.
How much is Pension Credit a week?
Guarantee Credit pays the difference between your income and the minimum guarantee — £227.10 a week for a single person or £346.60 for a couple. So if your weekly income is £180, a single person could get around £47.10 a week.
Does Pension Credit open the door to other help?
Yes. Getting even £1 of Pension Credit can passport you to Housing Benefit, Council Tax Reduction, a free TV licence if you are 75 or over, help with NHS costs and the Warm Home Discount, so it is worth claiming even small amounts.
Do savings affect Pension Credit?
The first £10,000 of savings is ignored. Above £10,000, every £500 (or part of £500) is treated as £1 a week of income — known as deemed income — which then reduces your Guarantee Credit.
Who can claim Pension Credit?
You must have reached State Pension age (currently 66) and live in Great Britain. For couples, both partners normally need to have reached State Pension age to start a new claim.