Universal Credit Minimum Income Floor Checker

Compare actual monthly self-employed earnings with the personal Minimum Income Floor in your Universal Credit record.

Website updated 28 October 2026

Earnings used in this simplified comparison

Editable sample

£1,470.00/month

If the MIF applies, the model uses the higher of your actual earnings and entered MIF. That is £620.00 more than the actual earnings entered.

This is the earnings figure for a comparison, before Universal Credit allowances, other earnings, deductions or the full household award are worked out.

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Your monthly figures

Actual UC earnings for this assessment period (£)

£0–£1,000,000. Use the monthly figure after permitted business expenses reported to UC; loss carry-forward is not modelled.

Your monthly minimum income floor (£)

£0–£1,000,000. Copy your personal amount from your work coach or UC statement; the sample is not typical or official.

Does the Minimum Income Floor apply to this assessment period?Yes — my UC account or work coach says it appliesNo — it is a start-up period or DWP says it does not applyI am not sure — compare both cases

Use the amount DWP gave you

This checker does not estimate your personal MIF from the National Minimum Wage. DWP sets an individual amount after considering your circumstances. If you are gainfully self-employed and the MIF applies, compare your actual earnings with that amount; otherwise actual earnings are used in this comparison.

For the conditions, start-up period and monthly reporting rules, read the Minimum Income Floor guide. For a broader simplified household illustration, use the Universal Credit Calculator, which does not include the MIF.

Minimum Income Floor checker FAQs

What is the Minimum Income Floor?

It is an assumed level of earnings DWP may use in a Universal Credit assessment for some self-employed claimants. The personal amount depends on circumstances and should come from your Universal Credit record.

Does this checker work out my personal MIF?

No. Enter the amount DWP has set for you. The checker compares it with the actual earnings figure you enter and does not derive an amount from the National Minimum Wage.

Does the MIF apply to every self-employed claimant?

No. DWP decides whether the rules apply, including gainful self-employment and any start-up period. Your work coach or Universal Credit account is the source for your individual position.

Does the result predict my Universal Credit payment?

No. It compares two earnings figures only. It does not calculate a UC award or include housing, household income, work allowances, deductions or other circumstances.

Official Universal Credit sources

DWP decides gainful self-employment, any start-up period and the individual Minimum Income Floor. This comparison is not a Universal Credit award calculation.

GOV.UK: Claiming Universal Credit when you are self-employed
How MIF relates to actual earnings, start-up periods, monthly reporting and DWP decisions.
GOV.UK: Self-employment and Universal Credit
Monthly assessment periods, reporting duties and how self-employment can affect a UC payment.

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