Attention: Dementia Carers in the UK
The online tool that checks your earnings against the Carer’s Allowance limit every pay day — so you never accidentally trigger a devastating overpayment.
The earnings threshold for Carer’s Allowance is an absolute cliff edge. One extra shift. One small pay rise. One bank holiday. That’s all it takes to go over — and the system won’t tell you for months. Sometimes years.
As of February 2025
Sarah looked after her mum full‑time — vascular dementia. She worked 18 hours a week at a charity shop, just under the limit.
Then an extra Christmas shift. A small pay rise. Just £2.14/week over the threshold. Nobody told her. The payments kept coming.
Three years later: £14,872.
“I trusted the system. Now I can’t sleep. I feel like a criminal — for looking after my own mother.”
— Sarah, 54, West Midlands
Go one penny over £204/week and you lose the entire £86.45 payment. No taper. No gradual reduction. And they don’t tell you until the damage is done.
Benefits must be applied for in a specific order. Claim one in the wrong sequence and it cancels another. Miss a reporting deadline while exhausted? Overpayment.
You report a change. Nothing happens. Months later: overpayment notice. You have no proof you reported it. Their records say you didn’t.
Enter gross pay, tax, NI, pension, and care costs. The tool applies the DWP’s deduction rules and tells you instantly: safe, warning zone, or over the cliff edge.
Test a pay rise, overtime, or extra hours before you commit. See exactly what it would do to your threshold — including the maximum safe pay rise you can accept.
Save each check to build a colour‑coded record over time. Download as a spreadsheet for a benefits adviser or your own records. Your proof‑protection paper trail.
The cliff edge rule, allowable deductions, fluctuating pay, and key rates for 2026/27 — explained for exhausted carers, not benefits lawyers.
The CarersInfo Threshold Checker could save you thousands of pounds and hundreds of hours of stress. But we built it because the system is broken — not to profit from people who are already struggling.
📋 Also available — the printable version — £3. Prefer paper? Get the one-page printable earnings log.
Try it with your real payslip figures. If you don’t feel safer and more in control, email us within 14 days for a full refund. No questions asked. You risk nothing.
Not ready to buy yet? That’s okay.
Start with the free checklist instead.
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Free Download — No Payment Needed The 5 Things Every Working Carer Must Check Before Their Next Payslip |
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A 5-point checklist you can use every payday — takes 2 minutes |
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Current 2026/27 threshold, CA rate and all allowable deductions explained |
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Printable — keep it next to your payslips or save it to your phone |
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P.S. — Most carers don’t find out about the earnings trap until it’s too late. You have a chance right now to protect yourself for less than the cost of a takeaway. Don’t let this be the page you wish you’d taken seriously.
P.P.S. — Remember, you’re protected by a full 14‑day money‑back guarantee. Zero risk to you — only the risk of doing nothing.
Wishing you strength and peace of mind,
CarersInfo