{"samples":[{"id":"sample-a","title":"Gwen · four-weekly pay and a Christmas bonus","input":{"asOf":"2026-12-30","country":"England","year":"2026/27","cycleWeeks":12,"hourlyRate":13,"jobs":[{"label":"School cook","type":"employed","periods":[{"payDate":"2026-10-09","gross":680,"kind":"four-weekly","tax":0,"ni":0,"pension":34,"expenses":0},{"payDate":"2026-11-06","gross":760,"kind":"four-weekly","tax":0,"ni":0,"pension":38,"expenses":0},{"payDate":"2026-12-04","gross":1000,"kind":"four-weekly","tax":0,"ni":0,"pension":50,"expenses":0,"bonus":240}]}]},"result":{"verdict":"Some weeks over the limit","headline":"4 weeks over the limit: £345.80 at risk — your 12-week cycle could help if DWP agrees (no weeks over)","explanation":["Current rules remove the whole weekly payment when counted earnings exceed the limit. 4 weeks and £345.80 are potentially at risk before averaging.","Most favourable illustration: Your 12-week cycle, 0 weeks over and £0.00 at risk. Averaging changes the result. DWP must decide whether averaging is appropriate.","Planned taper preview only: announced for England and Wales during 2030–31, not current law. It reduces CA by £1 for each £1 above the limit. The preview uses each week’s rates, excludes tax and other benefit effects, and is not a household gain."],"keyNumbers":[{"label":"Weeks over without averaging","value":"4"},{"label":"CA potentially at risk","value":"£345.80"},{"label":"Estimated next-pay gross ceiling (same period)","value":"£841.03"},{"label":"Latest gross above this ceiling","value":"£158.97 (about 12.23 hours)"},{"label":"Extra net weekly pay before the limit","value":"£0.00"},{"label":"Averaging illustration — DWP must agree","value":"Your 12-week cycle"}],"weeks":[{"start":"2026-10-12","end":"2026-10-18","earningsWeek":"2026-10-05","byJob":[{"job":"School cook","amount":165.75}],"total":165.75,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-10-19","end":"2026-10-25","earningsWeek":"2026-10-12","byJob":[{"job":"School cook","amount":165.75}],"total":165.75,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-10-26","end":"2026-11-01","earningsWeek":"2026-10-19","byJob":[{"job":"School cook","amount":165.75}],"total":165.75,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-02","end":"2026-11-08","earningsWeek":"2026-10-26","byJob":[{"job":"School cook","amount":165.75}],"total":165.75,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-09","end":"2026-11-15","earningsWeek":"2026-11-02","byJob":[{"job":"School cook","amount":185.25}],"total":185.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-16","end":"2026-11-22","earningsWeek":"2026-11-09","byJob":[{"job":"School cook","amount":185.25}],"total":185.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-23","end":"2026-11-29","earningsWeek":"2026-11-16","byJob":[{"job":"School cook","amount":185.25}],"total":185.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-30","end":"2026-12-06","earningsWeek":"2026-11-23","byJob":[{"job":"School cook","amount":185.25}],"total":185.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-12-07","end":"2026-12-13","earningsWeek":"2026-11-30","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7},{"start":"2026-12-14","end":"2026-12-20","earningsWeek":"2026-12-07","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7},{"start":"2026-12-21","end":"2026-12-27","earningsWeek":"2026-12-14","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7},{"start":"2026-12-28","end":"2027-01-03","earningsWeek":"2026-12-21","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7}],"views":{"noAveraging":{"label":"Without averaging","weeks":[{"start":"2026-10-12","end":"2026-10-18","earningsWeek":"2026-10-05","byJob":[{"job":"School cook","amount":165.75}],"total":165.75,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-10-19","end":"2026-10-25","earningsWeek":"2026-10-12","byJob":[{"job":"School cook","amount":165.75}],"total":165.75,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-10-26","end":"2026-11-01","earningsWeek":"2026-10-19","byJob":[{"job":"School cook","amount":165.75}],"total":165.75,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-02","end":"2026-11-08","earningsWeek":"2026-10-26","byJob":[{"job":"School cook","amount":165.75}],"total":165.75,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-09","end":"2026-11-15","earningsWeek":"2026-11-02","byJob":[{"job":"School cook","amount":185.25}],"total":185.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-16","end":"2026-11-22","earningsWeek":"2026-11-09","byJob":[{"job":"School cook","amount":185.25}],"total":185.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-23","end":"2026-11-29","earningsWeek":"2026-11-16","byJob":[{"job":"School cook","amount":185.25}],"total":185.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-30","end":"2026-12-06","earningsWeek":"2026-11-23","byJob":[{"job":"School cook","amount":185.25}],"total":185.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-12-07","end":"2026-12-13","earningsWeek":"2026-11-30","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7},{"start":"2026-12-14","end":"2026-12-20","earningsWeek":"2026-12-07","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7},{"start":"2026-12-21","end":"2026-12-27","earningsWeek":"2026-12-14","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7},{"start":"2026-12-28","end":"2027-01-03","earningsWeek":"2026-12-21","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7}],"weeksLost":4,"atRisk":345.8,"eligible":true,"explanation":"Each pay packet is converted to a weekly amount. Earnings affect the following benefit week (DMG 60051)."},"cycle":{"label":"Your 12-week cycle","weeks":[{"start":"2026-10-12","end":"2026-10-18","earningsWeek":"2026-10-05","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-10-19","end":"2026-10-25","earningsWeek":"2026-10-12","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-10-26","end":"2026-11-01","earningsWeek":"2026-10-19","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-02","end":"2026-11-08","earningsWeek":"2026-10-26","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-09","end":"2026-11-15","earningsWeek":"2026-11-02","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-16","end":"2026-11-22","earningsWeek":"2026-11-09","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-23","end":"2026-11-29","earningsWeek":"2026-11-16","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-30","end":"2026-12-06","earningsWeek":"2026-11-23","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-12-07","end":"2026-12-13","earningsWeek":"2026-11-30","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-12-14","end":"2026-12-20","earningsWeek":"2026-12-07","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-12-21","end":"2026-12-27","earningsWeek":"2026-12-14","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-12-28","end":"2027-01-03","earningsWeek":"2026-12-21","byJob":[{"job":"School cook","amount":198.25}],"total":198.25,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45}],"weeksLost":0,"atRisk":0,"eligible":true,"explanation":"Illustration using complete consecutive blocks from the first earnings week. Unpaid weeks stay unpaid; incomplete blocks use actual pay. DWP decides whether this period is representative."},"fiveWeek":{"label":"Five-week averaging","weeks":[{"start":"2026-10-12","end":"2026-10-18","earningsWeek":"2026-10-05","byJob":[{"job":"School cook","amount":169.65}],"total":169.65,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-10-19","end":"2026-10-25","earningsWeek":"2026-10-12","byJob":[{"job":"School cook","amount":169.65}],"total":169.65,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-10-26","end":"2026-11-01","earningsWeek":"2026-10-19","byJob":[{"job":"School cook","amount":169.65}],"total":169.65,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-02","end":"2026-11-08","earningsWeek":"2026-10-26","byJob":[{"job":"School cook","amount":169.65}],"total":169.65,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-09","end":"2026-11-15","earningsWeek":"2026-11-02","byJob":[{"job":"School cook","amount":169.65}],"total":169.65,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-16","end":"2026-11-22","earningsWeek":"2026-11-09","byJob":[{"job":"School cook","amount":208.65}],"total":208.65,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":81.8},{"start":"2026-11-23","end":"2026-11-29","earningsWeek":"2026-11-16","byJob":[{"job":"School cook","amount":208.65}],"total":208.65,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":81.8},{"start":"2026-11-30","end":"2026-12-06","earningsWeek":"2026-11-23","byJob":[{"job":"School cook","amount":208.65}],"total":208.65,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":81.8},{"start":"2026-12-07","end":"2026-12-13","earningsWeek":"2026-11-30","byJob":[{"job":"School cook","amount":208.65}],"total":208.65,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":81.8},{"start":"2026-12-14","end":"2026-12-20","earningsWeek":"2026-12-07","byJob":[{"job":"School cook","amount":208.65}],"total":208.65,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":81.8},{"start":"2026-12-21","end":"2026-12-27","earningsWeek":"2026-12-14","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7},{"start":"2026-12-28","end":"2027-01-03","earningsWeek":"2026-12-21","byJob":[{"job":"School cook","amount":243.75}],"total":243.75,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":46.7}],"weeksLost":7,"atRisk":605.15,"eligible":true,"explanation":"Illustration using complete consecutive blocks from the first earnings week. Unpaid weeks stay unpaid; incomplete blocks use actual pay. DWP decides whether this period is representative."}},"bestView":"Your 12-week cycle","headroom":{"nextPayCeilingGross":841.03,"overBy":158.97000000000003,"overByHours":12.228461538461541,"net":0,"gross":0,"hours":0,"extraPension":79.5,"basis":"Benefit week 28 Dec 2026; latest available earnings. Gross pay and hours are estimates for extra employed pay, holding pension, expenses and care costs fixed. The next-pay ceiling is for School cook (four-weekly), with the same trading-period length, using estimated tax/NI, the same pension, expenses and care charges (with the care cap recalculated), and other jobs unchanged. It excludes one-off and termination adjustments. If other jobs alone exceed the limit, no next-pay amount can bring the total under it. Amounts are rounded down to whole gross pennies. DWP deducts half of a pension contribution: each £1 reduces counted earnings by 50p."},"deductionsBreakdown":[{"job":"School cook","payDate":"2026-10-09","treatedAsPaid":"2026-10-05","gross":680,"tax":0,"ni":0,"pension":17,"expenses":0,"care":0,"beforeCare":663,"net":663,"weekly":165.75,"withoutOneOff":165.75,"notes":[],"coverageEnd":"2026-11-02","selfEmployed":false},{"job":"School cook","payDate":"2026-11-06","treatedAsPaid":"2026-11-02","gross":760,"tax":0,"ni":0,"pension":19,"expenses":0,"care":0,"beforeCare":741,"net":741,"weekly":185.25,"withoutOneOff":185.25,"notes":[],"coverageEnd":"2026-11-30","selfEmployed":false},{"job":"School cook","payDate":"2026-12-04","treatedAsPaid":"2026-11-30","gross":1000,"tax":0,"ni":0,"pension":25,"expenses":0,"care":0,"beforeCare":975,"net":975,"weekly":243.75,"withoutOneOff":183.75,"notes":["Bonus counts as earnings (DMG 15053, 15426–15427). It uses the normal pay interval, not the period it rewards."],"coverageEnd":"2026-12-28","selfEmployed":false}],"reassessment":{"likely":false,"message":"No past overpayment entered. The reassessment concerns earnings-related overpayments involving fluctuating earnings between 10 Apr 2015 and 2 Sep 2025."},"checklist":["Care for one person at least 35 hours a week (the caring week starts on Sunday).","The person cared for receives a qualifying benefit, such as PIP daily living or Attendance Allowance.","You are aged 16 or over.","You are not in full-time education; the 21-hour rule includes directed study and relevant course activities.","Check residence, immigration conditions and whether another carer already claims for the same person.","State Pension overlaps: at £86.45 a week or more there is no CA payment, but underlying entitlement may help with other benefits.","Scotland uses Carer Support Payment, currently with the same earnings limit; the planned taper does not cover Scotland. Northern Ireland has its own system.","Universal Credit counts Carer’s Allowance in full as unearned income. A claim can also affect benefits of the person you care for.","Earnings during an allowed temporary break in caring may be ignored (DMG 60052). Ask DWP to confirm any such break."],"nextSteps":[{"date":"2026-12-30","text":"Today: tell the Carer’s Allowance Unit about your pay, including the payment on 4 Dec 2026. Report online at https://www.gov.uk/carers-allowance-report-change or call 0800 731 0297. Keep a record of what you report."},{"date":"2026-12-30","text":"Today: keep every payslip, pension payment record and receipt for work expenses and care costs."},{"date":"2026-12-30","text":"Today: ask DWP to consider your 12-week cycle and explain whether it represents your work pattern. Ask them to confirm the period and calculation in writing."},{"date":"2026-12-30","text":"If you receive Universal Credit: update your journal when Carer’s Allowance changes. It counts in full as unearned income; the carer element has different rules."}],"messageText":"Please check my earnings for Carer’s Allowance. My pay details are below.\nSchool cook, paid 9 Oct 2026: gross/profit £680.00, tax £0.00, National Insurance £0.00, half pension £17.00, expenses £0.00, allowed care £0.00; counted £165.75 weekly. Earnings treated as paid from 5 Oct 2026.\nSchool cook, paid 6 Nov 2026: gross/profit £760.00, tax £0.00, National Insurance £0.00, half pension £19.00, expenses £0.00, allowed care £0.00; counted £185.25 weekly. Earnings treated as paid from 2 Nov 2026.\nSchool cook, paid 4 Dec 2026: gross/profit £1,000.00, tax £0.00, National Insurance £0.00, half pension £25.00, expenses £0.00, allowed care £0.00; counted £243.75 weekly. Earnings treated as paid from 30 Nov 2026.\nPlease confirm the affected benefit weeks, deductions and whether your 12-week cycle is appropriate. I understand averaging needs your decision.","assumptions":["This is an earnings check, not an award decision. All other entitlement conditions still apply.","Pay date is assumed to be the contractual due date unless you give a due date. Monthly attribution runs to the benefit week before the next normal due date.","Benefit weeks start on Monday unless Wednesday is selected for Constant Attendance Allowance. Earnings affect the following week.","Full precision is kept through deductions and conversion. The final fraction of a penny is disregarded in your favour (DMG 15013).","Averaging is discretionary. Complete consecutive blocks are illustrations, not a DWP agreement or an entitlement to the most favourable result. Unpaid weeks remain unpaid (DMG 15453).","No figures are stored unless you choose to create a share link. Shared reports last 180 days and anyone with the link can read them."],"sources":[{"title":"GOV.UK: Carer’s Allowance eligibility and deductions","url":"https://www.gov.uk/carers-allowance/eligibility"},{"title":"GOV.UK: Carer’s Allowance rate and how it works","url":"https://www.gov.uk/carers-allowance"},{"title":"GOV.UK: Report a change","url":"https://www.gov.uk/carers-allowance-report-change"},{"title":"DWP Decision Makers’ Guide chapter 15: earnings (15013, 15380–15390, 15425–15456, 15490–15503, 15756–15759, 15814–15815)","url":"https://assets.publishing.service.gov.uk/media/69a04ed307d7bff3604d6dc3/dmgch15.pdf"},{"title":"DWP Decision Makers’ Guide chapter 60: benefit weeks (60003, 60051, Appendix 1)","url":"https://assets.publishing.service.gov.uk/media/69e0fdcbb5e95ca5017ed9da/dmg-Chap-60.pdf"},{"title":"Computation of Earnings Regulations 1996: regulation 7","url":"https://www.legislation.gov.uk/uksi/1996/2745/regulation/7"},{"title":"Computation of Earnings Regulations 1996: regulation 8","url":"https://www.legislation.gov.uk/uksi/1996/2745/regulation/8"},{"title":"Computation of Earnings Regulations 1996: regulation 10","url":"https://www.legislation.gov.uk/uksi/1996/2745/regulation/10"},{"title":"Computation of Earnings Regulations 1996: Schedule 3 care charges","url":"https://www.legislation.gov.uk/uksi/1996/2745/schedule/3"},{"title":"Upper Tribunal: averaging, paragraphs 23–28","url":"https://assets.publishing.service.gov.uk/media/654e04e8014cc9000d6773c1/UA-2021-001544-CA.pdf"},{"title":"GOV.UK: Review of Carer’s Allowance overpayments","url":"https://www.gov.uk/government/publications/review-of-carers-allowance-overpayments"},{"title":"GOV.UK: Government response to the review","url":"https://www.gov.uk/government/publications/review-of-carers-allowance-overpayments/government-response-to-the-independent-review-of-carers-allowance-overpayments"},{"title":"GOV.UK: Unclear guidance and reassessment","url":"https://www.gov.uk/government/news/unpaid-carers-impacted-by-unclear-guidance-to-have-debts-cancelled"},{"title":"DWP: Reassessment management information to September 2026","url":"https://www.gov.uk/government/publications/sayce-review-into-carers-allowance-earnings-related-overpayments-reassessment-exercise-management-information-to-september-2026"},{"title":"Carers UK: Earnings limit","url":"https://www.carersuk.org/help-and-advice/financial-support/carers-allowance/carer-s-allowance-and-the-earnings-limit/"},{"title":"Carers UK: Overpayments","url":"https://www.carersuk.org/help-and-advice/financial-support/carers-allowance/carers-allowance-and-overpayments/"},{"title":"Carers UK: Budget reaction","url":"https://www.carersuk.org/press-releases/carers-uk-budget-reaction/"},{"title":"Which?: Planned earnings taper","url":"https://www.which.co.uk/news/article/end-to-carers-allowance-cliff-edge-announced-in-autumn-budget-2026-arwLD5d3vPPP"},{"title":"PolicyEngine: Planned taper and Universal Credit interactions","url":"https://www.policyengine.org/uk/research/carers-allowance-taper"},{"title":"thinkmoney: When the planned rules start","url":"https://www.thinkmoney.co.uk/blog/carers-allowance-changes-in-budget-2026-new-earnings-rules-and-when-they-start/"},{"title":"Benefits and Work: Planned reform timetable","url":"https://benefitsandwork.co.uk/news/carers-must-wait-until-at-least-2030-for-fair-treatment"}]}},{"id":"sample-b","title":"Sam · two jobs and paid care","input":{"asOf":"2026-11-27","country":"Wales","hourlyRate":13,"cycleWeeks":4,"jobs":[{"label":"Bar shifts","type":"employed","periods":[{"payDate":"2026-11-06","gross":90,"kind":"weekly","tax":0,"ni":0,"pension":0,"expenses":0,"care":{"amount":70,"relationship":"none","whileWorking":true,"for":"disabled-person"}},{"payDate":"2026-11-13","gross":110,"kind":"weekly","tax":0,"ni":0,"pension":0,"expenses":0,"care":{"amount":70,"relationship":"none","whileWorking":true,"for":"disabled-person"}},{"payDate":"2026-11-20","gross":300,"kind":"weekly","tax":0,"ni":0,"pension":0,"expenses":0,"care":{"amount":40,"relationship":"none","whileWorking":true,"for":"disabled-person"}},{"payDate":"2026-11-27","gross":100,"kind":"weekly","tax":0,"ni":0,"pension":0,"expenses":0,"care":{"amount":70,"relationship":"none","whileWorking":true,"for":"disabled-person"}}]},{"label":"Admin","type":"employed","periods":[{"payDate":"2026-11-02","gross":520,"kind":"monthly","tax":0,"ni":0,"pension":0,"expenses":0}]}]},"result":{"verdict":"Some weeks over the limit","headline":"1 week over the limit: £86.45 at risk","explanation":["Current rules remove the whole weekly payment when counted earnings exceed the limit. 1 weeks and £86.45 are potentially at risk before averaging.","Most favourable illustration: Without averaging, 1 weeks over and £86.45 at risk. Averaging does not reduce the amount at risk in these figures. DWP must decide whether averaging is appropriate.","Planned taper preview only: announced for England and Wales during 2030–31, not current law. It reduces CA by £1 for each £1 above the limit. The preview uses each week’s rates, excludes tax and other benefit effects, and is not a household gain."],"keyNumbers":[{"label":"Weeks over without averaging","value":"1"},{"label":"CA potentially at risk","value":"£86.45"},{"label":"Estimated next-pay gross ceiling (same period)","value":"£154.00"},{"label":"Extra net weekly pay before the limit","value":"£34.00"},{"label":"Averaging illustration — DWP must agree","value":"Without averaging"}],"weeks":[{"start":"2026-11-09","end":"2026-11-15","earningsWeek":"2026-11-02","byJob":[{"job":"Bar shifts","amount":45},{"job":"Admin","amount":120}],"total":165,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-16","end":"2026-11-22","earningsWeek":"2026-11-09","byJob":[{"job":"Bar shifts","amount":55},{"job":"Admin","amount":120}],"total":175,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-23","end":"2026-11-29","earningsWeek":"2026-11-16","byJob":[{"job":"Bar shifts","amount":260},{"job":"Admin","amount":120}],"total":380,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":0},{"start":"2026-11-30","end":"2026-12-06","earningsWeek":"2026-11-23","byJob":[{"job":"Bar shifts","amount":50},{"job":"Admin","amount":120}],"total":170,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45}],"views":{"noAveraging":{"label":"Without averaging","weeks":[{"start":"2026-11-09","end":"2026-11-15","earningsWeek":"2026-11-02","byJob":[{"job":"Bar shifts","amount":45},{"job":"Admin","amount":120}],"total":165,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-16","end":"2026-11-22","earningsWeek":"2026-11-09","byJob":[{"job":"Bar shifts","amount":55},{"job":"Admin","amount":120}],"total":175,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-23","end":"2026-11-29","earningsWeek":"2026-11-16","byJob":[{"job":"Bar shifts","amount":260},{"job":"Admin","amount":120}],"total":380,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":0},{"start":"2026-11-30","end":"2026-12-06","earningsWeek":"2026-11-23","byJob":[{"job":"Bar shifts","amount":50},{"job":"Admin","amount":120}],"total":170,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45}],"weeksLost":1,"atRisk":86.45,"eligible":true,"explanation":"Each pay packet is converted to a weekly amount. Earnings affect the following benefit week (DMG 60051)."},"cycle":{"label":"Your 4-week cycle","weeks":[{"start":"2026-11-09","end":"2026-11-15","earningsWeek":"2026-11-02","byJob":[{"job":"Bar shifts","amount":102.5},{"job":"Admin","amount":120}],"total":222.5,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":67.95},{"start":"2026-11-16","end":"2026-11-22","earningsWeek":"2026-11-09","byJob":[{"job":"Bar shifts","amount":102.5},{"job":"Admin","amount":120}],"total":222.5,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":67.95},{"start":"2026-11-23","end":"2026-11-29","earningsWeek":"2026-11-16","byJob":[{"job":"Bar shifts","amount":102.5},{"job":"Admin","amount":120}],"total":222.5,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":67.95},{"start":"2026-11-30","end":"2026-12-06","earningsWeek":"2026-11-23","byJob":[{"job":"Bar shifts","amount":102.5},{"job":"Admin","amount":120}],"total":222.5,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":67.95}],"weeksLost":4,"atRisk":345.8,"eligible":true,"explanation":"Illustration using complete consecutive blocks from the first earnings week. Unpaid weeks stay unpaid; incomplete blocks use actual pay. DWP decides whether this period is representative."},"fiveWeek":{"label":"Five-week averaging","weeks":[{"start":"2026-11-09","end":"2026-11-15","earningsWeek":"2026-11-02","byJob":[{"job":"Bar shifts","amount":45},{"job":"Admin","amount":120}],"total":165,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-16","end":"2026-11-22","earningsWeek":"2026-11-09","byJob":[{"job":"Bar shifts","amount":55},{"job":"Admin","amount":120}],"total":175,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-11-23","end":"2026-11-29","earningsWeek":"2026-11-16","byJob":[{"job":"Bar shifts","amount":260},{"job":"Admin","amount":120}],"total":380,"limit":204,"rate":86.45,"over":true,"atRisk":86.45,"taperPreview":0},{"start":"2026-11-30","end":"2026-12-06","earningsWeek":"2026-11-23","byJob":[{"job":"Bar shifts","amount":50},{"job":"Admin","amount":120}],"total":170,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45}],"weeksLost":1,"atRisk":86.45,"eligible":true,"explanation":"Illustration using complete consecutive blocks from the first earnings week. Unpaid weeks stay unpaid; incomplete blocks use actual pay. DWP decides whether this period is representative."}},"bestView":"Without averaging","headroom":{"nextPayCeilingGross":154,"overBy":0,"overByHours":0,"net":34,"gross":34,"hours":2.6153846153846154,"extraPension":0,"basis":"Benefit week 30 Nov 2026; latest available earnings. Gross pay and hours are estimates for extra employed pay, holding pension, expenses and care costs fixed. The next-pay ceiling is for Bar shifts (weekly), with the same trading-period length, using estimated tax/NI, the same pension, expenses and care charges (with the care cap recalculated), and other jobs unchanged. It excludes one-off and termination adjustments. If other jobs alone exceed the limit, no next-pay amount can bring the total under it. Amounts are rounded down to whole gross pennies. DWP deducts half of a pension contribution: each £1 reduces counted earnings by 50p."},"deductionsBreakdown":[{"job":"Admin","payDate":"2026-11-02","treatedAsPaid":"2026-11-02","gross":520,"tax":0,"ni":0,"pension":0,"expenses":0,"care":0,"beforeCare":520,"net":520,"weekly":120,"withoutOneOff":120,"notes":[],"coverageEnd":"2026-11-30","selfEmployed":false},{"job":"Bar shifts","payDate":"2026-11-06","treatedAsPaid":"2026-11-02","gross":90,"tax":0,"ni":0,"pension":0,"expenses":0,"care":45,"beforeCare":90,"net":45,"weekly":45,"withoutOneOff":45,"notes":["Care costs are capped at half of earnings after the other deductions (DMG 15814)."],"coverageEnd":"2026-11-09","selfEmployed":false},{"job":"Bar shifts","payDate":"2026-11-13","treatedAsPaid":"2026-11-09","gross":110,"tax":0,"ni":0,"pension":0,"expenses":0,"care":55,"beforeCare":110,"net":55,"weekly":55,"withoutOneOff":55,"notes":["Care costs are capped at half of earnings after the other deductions (DMG 15814)."],"coverageEnd":"2026-11-16","selfEmployed":false},{"job":"Bar shifts","payDate":"2026-11-20","treatedAsPaid":"2026-11-16","gross":300,"tax":0,"ni":0,"pension":0,"expenses":0,"care":40,"beforeCare":300,"net":260,"weekly":260,"withoutOneOff":260,"notes":[],"coverageEnd":"2026-11-23","selfEmployed":false},{"job":"Bar shifts","payDate":"2026-11-27","treatedAsPaid":"2026-11-23","gross":100,"tax":0,"ni":0,"pension":0,"expenses":0,"care":50,"beforeCare":100,"net":50,"weekly":50,"withoutOneOff":50,"notes":["Care costs are capped at half of earnings after the other deductions (DMG 15814)."],"coverageEnd":"2026-11-30","selfEmployed":false}],"reassessment":{"likely":false,"message":"No past overpayment entered. The reassessment concerns earnings-related overpayments involving fluctuating earnings between 10 Apr 2015 and 2 Sep 2025."},"checklist":["Care for one person at least 35 hours a week (the caring week starts on Sunday).","The person cared for receives a qualifying benefit, such as PIP daily living or Attendance Allowance.","You are aged 16 or over.","You are not in full-time education; the 21-hour rule includes directed study and relevant course activities.","Check residence, immigration conditions and whether another carer already claims for the same person.","State Pension overlaps: at £86.45 a week or more there is no CA payment, but underlying entitlement may help with other benefits.","Scotland uses Carer Support Payment, currently with the same earnings limit; the planned taper does not cover Scotland. Northern Ireland has its own system.","Universal Credit counts Carer’s Allowance in full as unearned income. A claim can also affect benefits of the person you care for.","Earnings during an allowed temporary break in caring may be ignored (DMG 60052). Ask DWP to confirm any such break."],"nextSteps":[{"date":"2026-11-27","text":"Today: tell the Carer’s Allowance Unit about your pay, including the payment on 27 Nov 2026. Report online at https://www.gov.uk/carers-allowance-report-change or call 0800 731 0297. Keep a record of what you report."},{"date":"2026-11-27","text":"Today: keep every payslip, pension payment record and receipt for work expenses and care costs."},{"date":"2026-11-27","text":"Before accepting extra work: compare the extra pay with your headroom and ask DWP how they will count it."},{"date":"2026-11-27","text":"If you receive Universal Credit: update your journal when Carer’s Allowance changes. It counts in full as unearned income; the carer element has different rules."}],"messageText":"Please check my earnings for Carer’s Allowance. My pay details are below.\nAdmin, paid 2 Nov 2026: gross/profit £520.00, tax £0.00, National Insurance £0.00, half pension £0.00, expenses £0.00, allowed care £0.00; counted £120.00 weekly. Earnings treated as paid from 2 Nov 2026.\nBar shifts, paid 6 Nov 2026: gross/profit £90.00, tax £0.00, National Insurance £0.00, half pension £0.00, expenses £0.00, allowed care £45.00; counted £45.00 weekly. Earnings treated as paid from 2 Nov 2026.\nBar shifts, paid 13 Nov 2026: gross/profit £110.00, tax £0.00, National Insurance £0.00, half pension £0.00, expenses £0.00, allowed care £55.00; counted £55.00 weekly. Earnings treated as paid from 9 Nov 2026.\nBar shifts, paid 20 Nov 2026: gross/profit £300.00, tax £0.00, National Insurance £0.00, half pension £0.00, expenses £0.00, allowed care £40.00; counted £260.00 weekly. Earnings treated as paid from 16 Nov 2026.\nBar shifts, paid 27 Nov 2026: gross/profit £100.00, tax £0.00, National Insurance £0.00, half pension £0.00, expenses £0.00, allowed care £50.00; counted £50.00 weekly. Earnings treated as paid from 23 Nov 2026.\nPlease confirm the affected benefit weeks, deductions and whether without averaging is appropriate. I understand averaging needs your decision.","assumptions":["This is an earnings check, not an award decision. All other entitlement conditions still apply.","Pay date is assumed to be the contractual due date unless you give a due date. Monthly attribution runs to the benefit week before the next normal due date.","Benefit weeks start on Monday unless Wednesday is selected for Constant Attendance Allowance. Earnings affect the following week.","Full precision is kept through deductions and conversion. The final fraction of a penny is disregarded in your favour (DMG 15013).","Averaging is discretionary. Complete consecutive blocks are illustrations, not a DWP agreement or an entitlement to the most favourable result. Unpaid weeks remain unpaid (DMG 15453).","No figures are stored unless you choose to create a share link. Shared reports last 180 days and anyone with the link can read them."],"sources":[{"title":"GOV.UK: Carer’s Allowance eligibility and deductions","url":"https://www.gov.uk/carers-allowance/eligibility"},{"title":"GOV.UK: Carer’s Allowance rate and how it works","url":"https://www.gov.uk/carers-allowance"},{"title":"GOV.UK: Report a change","url":"https://www.gov.uk/carers-allowance-report-change"},{"title":"DWP Decision Makers’ Guide chapter 15: earnings (15013, 15380–15390, 15425–15456, 15490–15503, 15756–15759, 15814–15815)","url":"https://assets.publishing.service.gov.uk/media/69a04ed307d7bff3604d6dc3/dmgch15.pdf"},{"title":"DWP Decision Makers’ Guide chapter 60: benefit weeks (60003, 60051, Appendix 1)","url":"https://assets.publishing.service.gov.uk/media/69e0fdcbb5e95ca5017ed9da/dmg-Chap-60.pdf"},{"title":"Computation of Earnings Regulations 1996: regulation 7","url":"https://www.legislation.gov.uk/uksi/1996/2745/regulation/7"},{"title":"Computation of Earnings Regulations 1996: regulation 8","url":"https://www.legislation.gov.uk/uksi/1996/2745/regulation/8"},{"title":"Computation of Earnings Regulations 1996: regulation 10","url":"https://www.legislation.gov.uk/uksi/1996/2745/regulation/10"},{"title":"Computation of Earnings Regulations 1996: Schedule 3 care charges","url":"https://www.legislation.gov.uk/uksi/1996/2745/schedule/3"},{"title":"Upper Tribunal: averaging, paragraphs 23–28","url":"https://assets.publishing.service.gov.uk/media/654e04e8014cc9000d6773c1/UA-2021-001544-CA.pdf"},{"title":"GOV.UK: Review of Carer’s Allowance overpayments","url":"https://www.gov.uk/government/publications/review-of-carers-allowance-overpayments"},{"title":"GOV.UK: Government response to the review","url":"https://www.gov.uk/government/publications/review-of-carers-allowance-overpayments/government-response-to-the-independent-review-of-carers-allowance-overpayments"},{"title":"GOV.UK: Unclear guidance and reassessment","url":"https://www.gov.uk/government/news/unpaid-carers-impacted-by-unclear-guidance-to-have-debts-cancelled"},{"title":"DWP: Reassessment management information to September 2026","url":"https://www.gov.uk/government/publications/sayce-review-into-carers-allowance-earnings-related-overpayments-reassessment-exercise-management-information-to-september-2026"},{"title":"Carers UK: Earnings limit","url":"https://www.carersuk.org/help-and-advice/financial-support/carers-allowance/carer-s-allowance-and-the-earnings-limit/"},{"title":"Carers UK: Overpayments","url":"https://www.carersuk.org/help-and-advice/financial-support/carers-allowance/carers-allowance-and-overpayments/"},{"title":"Carers UK: Budget reaction","url":"https://www.carersuk.org/press-releases/carers-uk-budget-reaction/"},{"title":"Which?: Planned earnings taper","url":"https://www.which.co.uk/news/article/end-to-carers-allowance-cliff-edge-announced-in-autumn-budget-2026-arwLD5d3vPPP"},{"title":"PolicyEngine: Planned taper and Universal Credit interactions","url":"https://www.policyengine.org/uk/research/carers-allowance-taper"},{"title":"thinkmoney: When the planned rules start","url":"https://www.thinkmoney.co.uk/blog/carers-allowance-changes-in-budget-2026-new-earnings-rules-and-when-they-start/"},{"title":"Benefits and Work: Planned reform timetable","url":"https://benefitsandwork.co.uk/news/carers-must-wait-until-at-least-2030-for-fair-treatment"}]}},{"id":"sample-c","title":"Asha · self-employed and an old overpayment","input":{"asOf":"2026-11-02","country":"England","otherWeeks":52,"overpayment":{"had":true,"start":"2019-04-08","end":"2023-03-31","earningsRelated":true,"fluctuating":true},"jobs":[{"label":"Cleaning business","type":"self-employed","periods":[{"payDate":"2026-04-06","gross":10400,"kind":"other","tax":0,"ni":0,"pension":520,"expenses":0,"start":"2026-04-06","end":"2027-04-05"}]}]},"result":{"verdict":"Within the earnings limit","headline":"Your entered pay stays within the weekly earnings limit","explanation":["Current rules remove the whole weekly payment when counted earnings exceed the limit. 0 weeks and £0.00 are potentially at risk before averaging.","Most favourable illustration: Without averaging, 0 weeks over and £0.00 at risk. Averaging does not reduce the amount at risk in these figures. DWP must decide whether averaging is appropriate.","Planned taper preview only: announced for England and Wales during 2030–31, not current law. It reduces CA by £1 for each £1 above the limit. The preview uses each week’s rates, excludes tax and other benefit effects, and is not a household gain."],"keyNumbers":[{"label":"Weeks over without averaging","value":"0"},{"label":"CA potentially at risk","value":"£0.00"},{"label":"Estimated next-pay gross ceiling (same period)","value":"£10,897.66"},{"label":"Extra net weekly pay before the limit","value":"£9.53"},{"label":"Averaging illustration — DWP must agree","value":"Without averaging"}],"weeks":[{"start":"2026-04-13","end":"2026-04-19","earningsWeek":"2026-04-06","byJob":[{"job":"Cleaning business","amount":194.46575342465752}],"total":194.46575342465752,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-04-20","end":"2026-04-26","earningsWeek":"2026-04-13","byJob":[{"job":"Cleaning business","amount":194.46575342465752}],"total":194.46575342465752,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-04-27","end":"2026-05-03","earningsWeek":"2026-04-20","byJob":[{"job":"Cleaning business","amount":194.46575342465752}],"total":194.46575342465752,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-05-04","end":"2026-05-10","earningsWeek":"2026-04-27","byJob":[{"job":"Cleaning business","amount":194.46575342465752}],"total":194.46575342465752,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-05-11","end":"2026-05-17","earningsWeek":"2026-05-04","byJob":[{"job":"Cleaning business","amount":194.46575342465752}],"total":194.46575342465752,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-05-18","end":"2026-05-24","earningsWeek":"2026-05-11","byJob":[{"job":"Cleaning business","amount":194.46575342465752}],"total":194.46575342465752,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-05-25","end":"2026-05-31","earningsWeek":"2026-05-18","byJob":[{"job":"Cleaning business","amount":194.46575342465752}],"total":194.46575342465752,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-06-01","end":"2026-06-07","earningsWeek":"2026-05-25","byJob":[{"job":"Cleaning business","amount":194.46575342465752}],"total":194.46575342465752,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-06-08","end":"2026-06-14","earningsWeek":"2026-06-01","byJob":[{"job":"Cleaning business","amount":194.46575342465752}],"total":194.46575342465752,"limit":204,"rate":86.45,"over":false,"atRisk":0,"taperPreview":86.45},{"start":"2026-06-15","end":"2026-06-21","earningsWeek":"2026-06-08","byJob":[{"job":"Cleaning 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work."}},"bestView":"Without averaging","headroom":{"nextPayCeilingGross":10897.66,"overBy":0,"overByHours":null,"net":9.534246575342479,"gross":9.534246575342479,"hours":null,"extraPension":0,"basis":"Benefit week 9 Nov 2026; latest available earnings. Gross pay and hours are estimates for extra employed pay, holding pension, expenses and care costs fixed. The next-pay ceiling is for Cleaning business (other), with the same trading-period length, using estimated tax/NI, the same pension, expenses and care charges (with the care cap recalculated), and other jobs unchanged. It excludes one-off and termination adjustments. If other jobs alone exceed the limit, no next-pay amount can bring the total under it. Amounts are rounded down to whole gross pennies. DWP deducts half of a pension contribution: each £1 reduces counted earnings by 50p."},"deductionsBreakdown":[{"job":"Cleaning business","payDate":"2026-04-06","treatedAsPaid":"2026-04-06","gross":10400,"tax":0,"ni":0,"pension":260,"expenses":0,"care":0,"beforeCare":10140,"net":10140,"weekly":194.46575342465752,"withoutOneOff":194.46575342465752,"notes":[],"coverageEnd":"2027-04-12","selfEmployed":true}],"reassessment":{"likely":true,"message":"Likely in scope of the reassessment: DWP will contact you; you do not need to act to join it. The exercise runs to March 2029. At September 2026, 230,900 identified cases were awaiting review or clearance. A refund is not guaranteed."},"checklist":["Care for one person at least 35 hours a week (the caring week starts on Sunday).","The person cared for receives a qualifying benefit, such as PIP daily living or Attendance Allowance.","You are aged 16 or over.","You are not in full-time education; the 21-hour rule includes directed study and relevant course activities.","Check residence, immigration conditions and whether another carer already claims for the same person.","State Pension overlaps: at £86.45 a week or more there is no CA payment, but underlying entitlement may help with other benefits.","Scotland uses Carer Support Payment, currently with the same earnings limit; the planned taper does not cover Scotland. Northern Ireland has its own system.","Universal Credit counts Carer’s Allowance in full as unearned income. A claim can also affect benefits of the person you care for.","Earnings during an allowed temporary break in caring may be ignored (DMG 60052). Ask DWP to confirm any such break."],"nextSteps":[{"date":"2026-11-02","text":"Today: tell the Carer’s Allowance Unit about your pay, including the payment on 6 Apr 2026. Report online at https://www.gov.uk/carers-allowance-report-change or call 0800 731 0297. Keep a record of what you report."},{"date":"2026-11-02","text":"Today: keep every payslip, pension payment record and receipt for work expenses and care costs."},{"date":"2026-11-02","text":"Before accepting extra work: compare the extra pay with your headroom and ask DWP how they will count it."},{"date":"2026-11-02","text":"For the historic reassessment: DWP will contact you. You do not need to apply. This does not replace reporting current pay or challenging a recent decision."},{"date":"2026-11-02","text":"If you receive Universal Credit: update your journal when Carer’s Allowance changes. It counts in full as unearned income; the carer element has different rules."}],"messageText":"Please check my earnings for Carer’s Allowance. My pay details are below.\nCleaning business, paid 6 Apr 2026: gross/profit £10,400.00, tax £0.00, National Insurance £0.00, half pension £260.00, expenses £0.00, allowed care £0.00; counted £194.46 weekly. Earnings treated as paid from 6 Apr 2026.\nPlease confirm the affected benefit weeks, deductions and whether without averaging is appropriate. I understand averaging needs your decision.","assumptions":["This is an earnings check, not an award decision. All other entitlement conditions still apply.","Pay date is assumed to be the contractual due date unless you give a due date. Monthly attribution runs to the benefit week before the next normal due date.","Benefit weeks start on Monday unless Wednesday is selected for Constant Attendance Allowance. Earnings affect the following week.","Full precision is kept through deductions and conversion. The final fraction of a penny is disregarded in your favour (DMG 15013).","Averaging is discretionary. Complete consecutive blocks are illustrations, not a DWP agreement or an entitlement to the most favourable result. Unpaid weeks remain unpaid (DMG 15453).","No figures are stored unless you choose to create a share link. Shared reports last 180 days and anyone with the link can read them.","Unknown or future rates use £204 and £86.45. Historical limits are known, but CA rates before April 2024 use £86.45 as an explicit estimate; do not use this to settle historical debt.","Self-employed gross means net trading profit after allowable business expenses, before tax, National Insurance and pension. Weekly profit is multiplied by 7 and divided by the days in the trading period (DMG 15520). DWP uses notional tax and contributions; entered amounts must represent those deductions."],"sources":[{"title":"GOV.UK: Carer’s Allowance eligibility and deductions","url":"https://www.gov.uk/carers-allowance/eligibility"},{"title":"GOV.UK: Carer’s Allowance rate and how it works","url":"https://www.gov.uk/carers-allowance"},{"title":"GOV.UK: Report a change","url":"https://www.gov.uk/carers-allowance-report-change"},{"title":"DWP Decision Makers’ Guide chapter 15: earnings (15013, 15380–15390, 15425–15456, 15490–15503, 15756–15759, 15814–15815)","url":"https://assets.publishing.service.gov.uk/media/69a04ed307d7bff3604d6dc3/dmgch15.pdf"},{"title":"DWP Decision Makers’ Guide chapter 60: benefit weeks (60003, 60051, Appendix 1)","url":"https://assets.publishing.service.gov.uk/media/69e0fdcbb5e95ca5017ed9da/dmg-Chap-60.pdf"},{"title":"Computation of Earnings Regulations 1996: regulation 7","url":"https://www.legislation.gov.uk/uksi/1996/2745/regulation/7"},{"title":"Computation of Earnings Regulations 1996: regulation 8","url":"https://www.legislation.gov.uk/uksi/1996/2745/regulation/8"},{"title":"Computation of Earnings Regulations 1996: regulation 10","url":"https://www.legislation.gov.uk/uksi/1996/2745/regulation/10"},{"title":"Computation of Earnings Regulations 1996: Schedule 3 care charges","url":"https://www.legislation.gov.uk/uksi/1996/2745/schedule/3"},{"title":"Upper Tribunal: averaging, paragraphs 23–28","url":"https://assets.publishing.service.gov.uk/media/654e04e8014cc9000d6773c1/UA-2021-001544-CA.pdf"},{"title":"GOV.UK: Review of Carer’s Allowance overpayments","url":"https://www.gov.uk/government/publications/review-of-carers-allowance-overpayments"},{"title":"GOV.UK: Government response to the review","url":"https://www.gov.uk/government/publications/review-of-carers-allowance-overpayments/government-response-to-the-independent-review-of-carers-allowance-overpayments"},{"title":"GOV.UK: Unclear guidance and reassessment","url":"https://www.gov.uk/government/news/unpaid-carers-impacted-by-unclear-guidance-to-have-debts-cancelled"},{"title":"DWP: Reassessment management information to September 2026","url":"https://www.gov.uk/government/publications/sayce-review-into-carers-allowance-earnings-related-overpayments-reassessment-exercise-management-information-to-september-2026"},{"title":"Carers UK: Earnings limit","url":"https://www.carersuk.org/help-and-advice/financial-support/carers-allowance/carer-s-allowance-and-the-earnings-limit/"},{"title":"Carers UK: Overpayments","url":"https://www.carersuk.org/help-and-advice/financial-support/carers-allowance/carers-allowance-and-overpayments/"},{"title":"Carers UK: Budget reaction","url":"https://www.carersuk.org/press-releases/carers-uk-budget-reaction/"},{"title":"Which?: Planned earnings taper","url":"https://www.which.co.uk/news/article/end-to-carers-allowance-cliff-edge-announced-in-autumn-budget-2026-arwLD5d3vPPP"},{"title":"PolicyEngine: Planned taper and Universal Credit interactions","url":"https://www.policyengine.org/uk/research/carers-allowance-taper"},{"title":"thinkmoney: When the planned rules start","url":"https://www.thinkmoney.co.uk/blog/carers-allowance-changes-in-budget-2026-new-earnings-rules-and-when-they-start/"},{"title":"Benefits and Work: Planned reform timetable","url":"https://benefitsandwork.co.uk/news/carers-must-wait-until-at-least-2030-for-fair-treatment"}]}}]}