How much is Pension Credit in 2026 and can I get it?

Everything you need to know about how much is pension credit a week, pension credit eligibility, how to apply for it and using the pension credit calculator.

Key Points

• Pension Credit is a means-tested benefit for people over State Pension age on low incomes to help with living costs.
• In 2026/27, Pension Credit tops up income to £238 a week for singles and £363.25 a week for couples.

• Those who reached State Pension age before April 2016 may also receive Savings Credit, worth up to £17.96 a week for singles and £20.10 a week for couples.

• Pension Credit claimants can also qualify for Cold Weather Payments, free TV licences (75+), NHS cost help, and Council Tax discounts.

What is Pension Credit?

Pension Credit is a means-tested benefit to help with your living costs. You receive it if you are over state pension age and are on a low income.

This benefit is separate from the State Pension.

Being on Pension Credit means you can receive more financial help, such as assistance with housing costs, council tax, heating bills and the Winter Fuel Payment.

How much is Pension Credit 2026/27?

If you are of state pension age, you can claim Pension Credit (Standard Minimum Guarantee).

When it comes to how much is pension credit a week in 2026/27, Pension Credit tops up:

• your weekly income to £238 a week, if you’re single.
• your joint weekly income to £363.25 a week, if you are in a couple.

If your income is higher, you might still be eligible for Pension Credit if you have a disability, you care for someone, you have savings or you have housing costs.

Pension Credit eligibility

You must live in England, Scotland or Wales and have reached State Pension age to qualify for Pension Credit.

You can find out about this benefit in Northern Ireland here.  

When you apply, your income is calculated.

• If you have a partner, your income is calculated together.
• Income includes state pension, other pensions, earnings from employment and self-employment, most social security benefits.
• If your income is higher, you might still be eligible for Pension Credit if you have a disability, you care for someone, you have savings or you have housing costs.  
• Even if you have own your own home, you could still be eligible for this benefit.  

If you are not sure if you are eligible for extra amounts, contact the Pension Service helpline on 0800 731 0469.

What is Guarantee Credit?

You may get extra money, if you have other responsibilities and costs. The top up and extra amounts are known as ‘Guarantee Credit’.

If you have a severe disability

Individuals with a severe disability, could get an extra £86.05 a week, if you receive:

• Attendance Allowance.
• Disability Living Allowance (the middle or highest rate from the care element of allowance).
• Personal Independence Payment (the daily living element).
• Armed Forces Independence Payment.
• Adult Disability Payment (the daily living element).
• Pension Age Disability Payment
• Scottish Adult Disability Living Allowance (middle or highest rate of the care component).

If you care for another adult

If caring for another adult, you could receive an extra £48.15 a week, if you receive:

• Carer’s Allowance.
• Carer Support Payment.
• You’ve claimed Carer’s Allowance but are not being paid because you already receive another benefit paying a higher amount.

If you are responsible for a child or a young person

Individuals who are responsible for a child or young person aged under 20 that lives with you, could receive an extra £69.98 a week for each child/young person.

This is increased to £81.07 a week for the first child (if they were born before 6 April 2017).

If a child/ young person you are responsible for is disabled, you could receive an extra amount of either:

• £37.93 a week if they get Disability Living Allowance, Personal Independence Payment, Adult Disability Payment, Child Disability Payment or Scottish Adult Disability Living Allowance.

Or

• £118.46 a week. This applies if they are blind or severely sight impaired or get Disability Living Allowance or the enhanced daily living component of Personal Independence Payment, Adult Disability Payment, Child Disability Payment (highest rate of the care component) or Scottish Adult Disability Living Allowance (highest rate of the care component).

If you have housing costs, you could receive an extra amount to cover these costs, such as

• ground rent if your property is a leasehold.
• service charges.

How much is Savings Credit?

When you have savings or another pension, you could get the ‘Savings Credit’ element of Pension Credit. This applies if you reached State Pension age before 6 April 2016 and you saved some money for retirement, such as a workplace pension.

You can receive:

• Up to £17.96 a week Savings Credit if you’re single.
• Up to £20.10 a week, if you have a partner.

Do I qualify for Cold Weather Payments?

Yes if you get Pension Credit, you will qualify for cold weather payments.

Do I qualify for Winter Fuel Payment?

When you get Pension Credit, you could also get the Winter Fuel Payment.

The Winter Fuel Payment is worth up to £300 per household.  

To be eligible you need to be living in England or Wales in the qualifying week, which is the week beginning from the third Monday in September.

What other financial help can I get if I am on Pension Credit?

If you are claiming Pension Credit, you could also claim:  

• Housing Benefit, if you rent the property you live in.
• Support for mortgage interest, if you own the property you live in.
• A Council Tax discount.
• A free TV licence, if you are aged 75 or over.
• Help with NHS costs such as dental treatment, prescriptions, glasses and transport costs for hospital appointments, if you get the Guarantee Credit part of Pension Credit.
• Help with heating costs through the Warm Home Discount Scheme.

How much savings is too much?   

If you have £10,000 or less in savings and investments, this will not affect your ability to get the benefit.

With more than £10,000, every £500 over £10,000 counts as £1 income a week.

For example, if you have £11,000 in savings, this counts as £2 income a week.

Pension credit calculator: How much Pension Credit I can get?

To find out how much pension credit you can get, use the Department for Work and Pensions’ Pension Credit calculator.

How can I apply?

You can apply for this benefit up to 4 months before you reach State Pension age.

You can make applications via: 

•Website: gov.uk.

•Telephone: 0800 99 1234.

• Post. To apply by post, print out and fill in the Pension Credit claim form. You can also call the claim line 0800 99 1234 to request an application form.

Post the completed application form to the Pension Service’s postal address which is: Freepost DWP Pensions Service 3. You do not need a postcode or a stamp.

FAQs