A module of the digital founding companion for the United KingdomA planix founding-companion module
Concept freeBusiness plan £39 · Funding programmes £75 – one-offBusiness plan £39 one-off No credit card
Gainfully self-employed or not – that decides your Universal Credit. The order matters.
The interview decides.
Online on gov.uk – your work coach at Jobcentre Plus is your contact.
Online, with a work coach.
Offer, customers and expected profit – showing that your business is organised and expected to make a profit.
Concept and numbers.
Tell Universal Credit as soon as you start. At the interview your work coach checks whether you are gainfully self-employed.
Report it, then the interview.
No job search and no minimum income floor – Universal Credit uses your actual monthly earnings.
Actual earnings count.
Universal Credit then assumes at least minimum-wage earnings for your expected hours. Plan your profit for that.
Plan for the income floor.
Report your business income and expenses to Universal Credit every month – even in a month without any. Separately, you register for Self Assessment with HMRC.
Source: Universal Credit Regulations 2013, regs. 62–64 · Universal Credit start-up period: Department for Work and Pensions (DWP), gov.uk, as of 09.11.2026.
Start for free with the concept. Add the business plan and funding programmes as one-off purchases.
Put your idea into a document you can share – before you plan the numbers.
Complete business plan with a calculated financial plan, the way banks and funding agencies accept it.
A profile per programme with amount, requirements, deadlines, application route and official source.
The DWP decides. Your work coach decides whether you are gainfully self-employed; planix submits nothing in your name.
The DWP decides. No promise, nothing filed for you.
Your evidence stays yours. You bring invoices, bank statements and records yourself; planix delivers concept and numbers.
You bring the evidence. Invoices and records yourself.
No invented numbers. Every number comes from your inputs and is calculated – including your living costs.
Nothing invented. Every number calculated.
It shows what the self-employed interview is about: that your business is your main work, organised, regular and expected to make a profit. You bring invoices, bank statements and records yourself.
Tell Universal Credit as soon as you start your business. Register for Self Assessment with HMRC by 5 October after the end of the tax year in which you started.
Universal Credit continues, based on your actual monthly earnings. If you are gainfully self-employed and have not had a start-up period before, the minimum income floor does not apply for up to 12 months.
Develop business concept is free. Business & financial planning Pro costs £39, Find funding £75 – each one-off, no subscription.
No. planix delivers the documents and the order. Reporting and deciding – that stays with you and your work coach.
Tell Universal Credit straight away if you close your business or your earnings change significantly. Your claim then continues on your new circumstances.
The concept first. The numbers and the funding when you’re ready.
Start for free Concept free · Business plan £39 one-off