Savings and Universal Credit: How the £6,000 and £16,000 Capital Rules Work

Having savings can affect Universal Credit. This course explains the £6,000 and £16,000 capital limits, how “assumed income” reduces your payment, what counts as capital and what is ignored, how couples are assessed, and why deliberately getting rid of savings can backfire.

Tutwoo is an independent learning provider. This course gives general information about Universal Credit capital rules and is not financial or legal advice. Get advice about your own circumstances.

© 2026 Tutwoo UK Limited. This course was created in-house by Tutwoo and is our original work. It is for your own learning only: please do not copy, share, record or resell it.