Supporting your income

Find out what benefits and financial support you may be able to get.

Increasing the level at which you pay National Insurance

From July, employees who earn £36,600 or under (around 70% of workers) will pay less National Insurance. A typical employee will save over £330 a year.

This means you can earn £12,570 a year completely tax-free.

See how the changes affect you

Increasing your pay

The National Living and National Minimum Wage rates rose in April.

Check your pay to make sure you are getting the pay rate you're entitled to.

Check your pay

Extra money available for carers

You could get £69.70 a week if you care for someone for at least 35 hours a week and the person you care for gets certain benefits. You do not have to be related to, or live with, the person you care for.

Check if you're eligible for the Carer's Allowance

Pension Credit for those on low income

You could get extra money to help with your living costs if you’re over State Pension age and on a low income, even if you have savings or own your own home.

Check if you're eligible for Pension Credit

The Money Helper service provides free, confidential and impartial help tailored to individual needs.

Help with your bills

Cost of Living Payment

Households on means tested benefits, including Universal Credit, Pension Credit and Tax Credits, will receive a payment of £650 this year.

This will be made automatically in two instalments, one in summer and another in the autumn.

Check if you're eligible for the Cost of Living Payment

Disability Cost of Living Payment

Individuals on disability benefits will receive a one-off £150 payment in September to help with extra costs, such as for specialist equipment or transport.

This is in addition to the £650 Cost of Living Payment for disabled people who also receive means tested benefits.

Check if you're eligible for the Disability Cost of Living Payment

Winter Fuel Payments and Pensioner Cost of Living Payment

In the winter months pensioners can get between £100 and £300 to help pay heating bills.

This winter, they will also receive an extra £300 Pensioner Cost of Living Payment per household, which will be paid as an automatic top-up to the Winter Fuel Payment.

Check if you're eligible for the Winter Fuel Payment

Energy Bill Discount

£400 will be taken off your energy bill from October if you live in Great Britain.

This is an automatic grant, which does not need to be paid back and requires no action.

Council Tax rebate

If you live in Council Tax bands A to D in England you'll get £150 back from your Council Tax bill (4 out of 5 households in England).

For most people the rebate is automatic, however if you don't pay your Council Tax by Direct Debit then get in touch with your council.

Find more information on the Council Tax rebate

Energy Bill Price Cap

The energy price cap continues to insulate households from even higher global gas prices, so families continue to pay lower bills for their electricity and gas than they otherwise would without it.

0% VAT on energy saving materials

It will be cheaper for you to install energy saving materials such as thermal insulation or solar panels with 0% VAT for the next five years, helping to improve energy efficiency in your home and keep heating bills down.

Find energy grants and ways to save energy in your home

Budgeting Loans

You may be eligible for a Budgeting Loan if you’ve been on certain benefits for 6 months. This can be used for household items, rent in advance and travelling costs.

Check if you're eligible for a Budgeting Loan

Help paying your water bill

Many water companies run hardship schemes or fund independent charitable trusts which can help you pay your bills.

Get support paying your water bill

Licence fee freeze

The TV licence fee will remain at £159 until 2024 before rising in line with inflation for four years.

That means households will not see any change to the licence fee until 1 April 2024.

Help with childcare costs

Tax-free childcare

You can get up to £500 every 3 months (up to £2,000 a year) for each of your children to help with the cost of childcare.

Claim tax-free childcare

15 hours free childcare

Families in England who have 2 year old children and are on certain benefits can get 15 hours of free childcare a week.

All families with children aged 3 and 4 can also access 15 hours of free childcare a week.

Visit Childcare Choices for more information

Claim back childcare costs

You may be able to claim back up to 85% of your childcare costs if you’re eligible for Universal Credit, with up to £646 back each month for one child or £1,108 for 2 or more children.

Find out more about claiming back childcare costs

Housing support

Get help with interest payments on mortgages or loans

If you’re a homeowner on qualifying benefits, you might be able to get help towards interest payments on your mortgage or loans you’ve taken out for certain repairs and improvements to your home.

Check if you're eligible for Support for Mortgage Interest

95% mortgages for homes up to £600,000

You may be eligible to borrow up to 95% of the cost of a property worth up to £600,000 thanks to the mortgage guarantee scheme.

Contact mortgage providers to see if you're eligible

Help with transport costs

Cutting fuel duty

Fuel duty for petrol and diesel has been cut by 5 pence per litre across the whole of the UK until March 2023. It saves £100 for the average car driver, £200 for the average van driver and £1,500 for the average haulier.

Help finding work

Changes to Universal Credit mean working families on the benefit are on average £1,000 a year better off. We’re ensuring workers keep more of what they earn so if they increase their hours, they’ll get a better return.

Get help looking for jobs

You can search and apply for jobs across a range of industries across the UK through our Find a job website.

Search and apply for jobs

Supporting your health