How savings can affect you claiming Universal Credit and other benefits
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If your savings increase or you move in with a partner and don't report it, you could be overpaid benefits and later asked to repay the money. Keeping records of your savings and any lump-sum payments can also help if your claim is queried.Bear in mind that money held in a personal or workplace pension doesn't count towards the Universal Credit savings limit. This means increasing your pension contributions could reduce the amount of capital taken into account for your claim - while boosting your retirement fund.You could also pay essential bills, such as council tax or home insurance, upfront rather than monthly.
- ▪If your savings increase or you move in with a partner and don't report it, you could be overpaid benefits and later asked to repay the money.
- ▪Keeping records of your savings and any lump-sum payments can also help if your claim is queried.Bear in mind that money held in a personal or workplace pension doesn't count towards the Universal Credit savings limit.
- ▪This means increasing your pension contributions could reduce the amount of capital taken into account for your claim - while boosting your retirement fund.You could also pay essential bills, such as council tax or home insurance, upfront r
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| Original publisher | The Independent |
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| Publication time | Mon, 27 Jul 2026 14:11:35 GMT |
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MoneyHow savings can affect you claiming Universal Credit and other benefitsIt’s important to build financial resilience - but also to know how changing assets can impact your claimsEmma Lunn Monday 27 July 2026 15:11 BSTBookmarkCommentsGo to commentsBookmark popoverRemoved from bookmarksClose popover{"translations":{"comments":"Go to comments","share":"Share","copyLink":"Copy link","bookmark":"Bookmark","removeBookmark":"Remove bookmark"},"showComments":true,"showBookmark":true,"articleId":"b3014359","articleMeta":{"url":"https://www.independent.co.uk/money/universal-credit-benefits-savings-pension-expert-tips-b3014359.html","title":"How savings can affect you claiming Universal Credit and other benefits"}}212 Travel Challenge with Gabriel Nussbaum and Annabel Grossman.mp4SPONSORED BY…
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