Gydag ambell eithriad, mae'r newidiadau i fudd-daliadau a chredydau treth yn dueddol o gael effaith andwyol ar fwy o fenywod na dynion o ran yr effaith ar incymau. Ar y cyfan, mae cartrefi rhieni unigol nad ydynt yn gweithio, y mae'r rhan fwyaf ohonynt yn fenywod, ymhlith y rhai a fydd yn gweld y colledion mwyaf o ran incwm. Fodd bynnag, disgwylir i rieni unigol gael budd o gymhelliant arwyddocaol i weithio mwy o oriau. I'r gwrthwyneb, mae llawer o fenywod mewn cyplau (yn enwedig y rheini â phlant), yn fwy tebygol o fod yn ail enillwyr na dynion, ac felly bydd ganddynt lai o gymhelliant i weithio. Y rheswm dros hyn yw bod Credyd Cynhwysol (CC) yn canolbwyntio ar gael yr enillydd cyntaf i mewn i waith. Bydd y gofynion llawer anoddach o ran chwilio am waith o dan CC hefyd yn effeithio ar fwy o fenywod. At hynny, mae'r taliad CC unigol i gartrefi yn fwy tebygol o gael ei wneud i bennaeth yr uned budd-daliadau, sy'n fwy tebygol o fod yn ddyn. Gall hyn roi rhai menywod dan anfantais.
With a few exceptions, the benefit and tax credit changes tend to adversely affect more females than males in terms of the impact on incomes. Overall, non-working lone parent households, most of whom are female, are amongst those who incur the largest income losses. However, lone parents are expected to benefit from a significantly increased incentive to work more hours. By contrast, many women in couples (particularly those with children), are more likely to be second earners than men, and so will see a reduced incentive to work. This is because of the focus of Universal Credit (UC) on helping to get the first earner into work. A greater proportion of women will also be affected by the significantly tougher work-search requirements under UC. Furthermore, the single UC household payment is more likely to be paid to the head of the benefits unit, which is more likely to be male. This may disadvantage some women.