Without averaging
1 weeks over · £86.45Each pay packet is converted to a weekly amount. Earnings affect the following benefit week (DMG 60051).
Work. Care. Know where you stand.
A little more pay.
A whole week’s allowance?
Check each pay packet against the £204 weekly earnings limit after deductions. See which weeks could put £86.45 at risk, whether averaging helps, and what to tell DWP.
No account needed. Check without saving; share only when you choose.
3 · Your results
1 week over the limit: £86.45 at risk
Weeks over without averaging1
CA potentially at risk£86.45
Estimated next-pay gross ceiling (same period)£154.00
Extra net weekly pay before the limit£34.00
Averaging illustration — DWP must agreeWithout averaging
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.
Which CA weeks are affected?
Earnings from one week affect the next. This table shows the result before averaging.
| CA week | Earnings by job | Total | Limit | Result | CA at risk | Planned taper payment |
|---|---|---|---|---|---|---|
| 9 Nov 2026 to 15 Nov 2026 | Bar shifts: £45.00 Admin: £120.00 | £165.00 | £204.00 | Within limit | £0.00 | £86.45 |
| 16 Nov 2026 to 22 Nov 2026 | Bar shifts: £55.00 Admin: £120.00 | £175.00 | £204.00 | Within limit | £0.00 | £86.45 |
| 23 Nov 2026 to 29 Nov 2026 | Bar shifts: £260.00 Admin: £120.00 | £380.00 | £204.00 | Over the limit | £86.45 | £0.00 |
| 30 Nov 2026 to 6 Dec 2026 | Bar shifts: £50.00 Admin: £120.00 | £170.00 | £204.00 | Within limit | £0.00 | £86.45 |
Could averaging help?
DWP decides whether averaging fairly reflects your earnings. The lowest figure is an illustration you can discuss, not an agreed award.
Your 4-week cycle
4 weeks over · £345.80Illustration 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.
Five-week averaging
1 weeks over · £86.45Illustration 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.
Room for more work
£34.00 extra net pay a week, about £34.00 gross or 2.62 extra hours.
Estimated next-pay ceiling: £154.00 gross for the same pay period.
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.
Every deduction and one-off payment
Admin · 2 Nov 2026
Gross or trading profit £520.00 − tax £0.00 − National Insurance £0.00 − half pension £0.00 − work expenses £0.00 − allowed care costs £0.00 = £520.00. Counted weekly: £120.00.
Without bonus, holiday pay or backpay: £120.00 weekly (comparison only; keep the same deductions).
Bar shifts · 6 Nov 2026
Gross or trading profit £90.00 − tax £0.00 − National Insurance £0.00 − half pension £0.00 − work expenses £0.00 − allowed care costs £45.00 = £45.00. Counted weekly: £45.00.
Without bonus, holiday pay or backpay: £45.00 weekly (comparison only; keep the same deductions).
Care costs are capped at half of earnings after the other deductions (DMG 15814).
Bar shifts · 13 Nov 2026
Gross or trading profit £110.00 − tax £0.00 − National Insurance £0.00 − half pension £0.00 − work expenses £0.00 − allowed care costs £55.00 = £55.00. Counted weekly: £55.00.
Without bonus, holiday pay or backpay: £55.00 weekly (comparison only; keep the same deductions).
Care costs are capped at half of earnings after the other deductions (DMG 15814).
Bar shifts · 20 Nov 2026
Gross or trading profit £300.00 − tax £0.00 − National Insurance £0.00 − half pension £0.00 − work expenses £0.00 − allowed care costs £40.00 = £260.00. Counted weekly: £260.00.
Without bonus, holiday pay or backpay: £260.00 weekly (comparison only; keep the same deductions).
Bar shifts · 27 Nov 2026
Gross or trading profit £100.00 − tax £0.00 − National Insurance £0.00 − half pension £0.00 − work expenses £0.00 − allowed care costs £50.00 = £50.00. Counted weekly: £50.00.
Without bonus, holiday pay or backpay: £50.00 weekly (comparison only; keep the same deductions).
Care costs are capped at half of earnings after the other deductions (DMG 15814).
What to do next
- 27 Nov 2026 · 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.
- 27 Nov 2026 · Today: keep every payslip, pension payment record and receipt for work expenses and care costs.
- 27 Nov 2026 · Before accepting extra work: compare the extra pay with your headroom and ask DWP how they will count it.
- 27 Nov 2026 · 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.
Your message to the benefit office
Review these figures before sending. Earnpilot does not send this message.
Could an old overpayment be reviewed?
No past overpayment entered. The reassessment concerns earnings-related overpayments involving fluctuating earnings between 10 Apr 2015 and 2 Sep 2025.
Other conditions to check
- 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.
Assumptions and sources
- 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.
- GOV.UK: Carer’s Allowance eligibility and deductions
- GOV.UK: Carer’s Allowance rate and how it works
- GOV.UK: Report a change
- DWP Decision Makers’ Guide chapter 15: earnings (15013, 15380–15390, 15425–15456, 15490–15503, 15756–15759, 15814–15815)
- DWP Decision Makers’ Guide chapter 60: benefit weeks (60003, 60051, Appendix 1)
- Computation of Earnings Regulations 1996: regulation 7
- Computation of Earnings Regulations 1996: regulation 8
- Computation of Earnings Regulations 1996: regulation 10
- Computation of Earnings Regulations 1996: Schedule 3 care charges
- Upper Tribunal: averaging, paragraphs 23–28
- GOV.UK: Review of Carer’s Allowance overpayments
- GOV.UK: Government response to the review
- GOV.UK: Unclear guidance and reassessment
- DWP: Reassessment management information to September 2026
- Carers UK: Earnings limit
- Carers UK: Overpayments
- Carers UK: Budget reaction
- Which?: Planned earnings taper
- PolicyEngine: Planned taper and Universal Credit interactions
- thinkmoney: When the planned rules start
- Benefits and Work: Planned reform timetable
Use the API
POST /api/check with JSON returns an earnings report without saving. Minimal example:
{"country":"England","jobs":[{"label":"Main job","type":"employed","periods":[{"payDate":"2026-11-06","kind":"weekly","gross":190,"tax":0,"ni":0}]}]}Optional: cycleWeeks, otherWeeks, hourlyRate and overpayment. Every period supports pension, expenses, care, dueDate, one-off amounts, and estimateTaxNI. Self-employed periods need start/end dates and gross means trading profit before tax and pension. Dates are YYYY-MM-DD; amounts are pounds. Use at most six jobs, 120 periods and 64 KB.
POST /api/share with the same input saves a report for 180 days. Read at /r/:id, add .md or .csv to download, or use /api/r/:id for JSON. /api/samples has complete examples; /api/health reports service health.