Benefits Calculator

Could you be missing out on valuable financial support without realising?

£16 billion of benefits and tax credits remain unclaimed in the UK each year – most often by low income working households.

And, up to 70% of credit union loan applicants are missing out on an average of £465/month in unclaimed benefits, according to findings from our partners at InBest*

Not sure you’re getting all the help you’re entitled to? use our Benefits Calculator to find out what you could claim. By entering a few details about your situation, you’ll get a free and impartial assessment of all the benefits and tax credits you are entitled to and what you have to do to claim them.

Try the Benefits Calculator now

• Source: “Scottish fintech helping poorest households access thousands in unclaimed benefits”

How to make the most of your benefits

Benefits will help support with living expenses and day to day costs. Here’s how you can get the most from your benefits as well as find out the benefits you are entitled to.

Universal Credit (UC) is a benefit available for those who are unemployed or with low salaries to top up their income. The total amount you receive depends on a number of things such as whether you are living with a partner, you have a health condition that affects your daily living mobility activities, or your number of dependent children. If you are working then UC will also take into account your monthly take-home pay, so if you have a variable salary, it is a great way to smooth out your income.

Specific groups such as low and middle-income families or disabled people can get additional benefits that reflect their higher living costs such as Child Benefit, Disability Living Allowance or Personal Independence Payment.

See what benefits you are entitled to

Benefits can also help low and middle-income families to reduce their expenses. For example, the housing and childcare costs component of Universal Credits can help to pay for any childcare expenses you may have, and possibly reduce the amount of your council tax. Families can also apply for free school meals and help with school clothing. There may also be support if you have a mortgage and struggling with your repayments; you may be entitled to support on mortgage interest payments.