Universal Credit vs Working Tax Credit

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  • #60799 Report


    Hoping someone might be able to help point me in the right direction.

    I’m very lucky that I have a great relationship with my ex-husband and he has always done his best to support me and our two boys financially. Sadly, this year his business has struggled and he hasn’t been able to pay me since February, except bits here and there. I have juggled and we’re ok, but it’s getting tight. He’s close to loosing his house and I don’t want any part of it (if that makes sense).

    I work part time to fit around the boys school hours and receive WTC and CTC. Does anyone know if I am likely to be better or worse off if I switch to UC? I don’t want to go through the hassle of it, if it doesn’t help. I haven’t looked at it previously as the ex has desperately been trying to turn the business around. Ruddy covid!

    Thanks for any help 🙂

    #60800 Report


    There are calculators online that are quite a good indicator of how much you are entitled to, done even do a comparison of the two benefits do you can see which is best.

    After my split I had to apply for universal credit because the tax credits had been in joint names. It’s hard to tell whether we’re worse or better off than before because everything financially has changed, food expenditure, costs of travel, wages coming in and almost everything else. We’re certainly not doing too badly but the one thing about universal credit is it can fluctuate month to month at first whereas with tax credits you know what is coming in for s whole year unless there’s a significant change in your circumstances. That might be just my experience as I’ve had to reapply for child benefit and changed employment which all affects universal credit because of limits put in place.


    Hope that helps a little!

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