£16 billion of means-tested benefits and tax credits remains unclaimed each year – that’s around 8 million households in the UK that could be entitled to benefits but are not claiming them.

According to research by our partner InBest: up to 70% of credit union loan applicants could be missing out on an average of £406 per month in unclaimed benefits, which can be a lifeline for low-income households.

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.


Benefits Calculator

Use the calculator below to search through a selection of benefits, grants, and other schemes that you might not realise are available to you.

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How to make the most of your benefits

Benefits can be a great help to make ends meet, repay your loans or even start building a rainy day fund and save for your retirement. This calculator can help explore how you can get the most out of your benefits and also help you to find out what you can claim.


Increase your income

Universal Credit is a benefit that can assist people who are unemployed, or those with low salaries, to top up their income. The total amount you can get depends on several things such as whether you have a partner, number of dependents or your housing costs. Universal Credit also depends on your monthly take-home pay, so if you have a variable salary, it is a great way to smooth your income.

If you claim a legacy benefit (now covered by Universal Credit) – could switching to Universal Credit increase your entitlement?

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.


Reduce your cost

Benefits can also help low and middle-income families reduce their expenses. For example, Housing Benefit will help you to pay your rent and the Council Tax Reduction might reduce your council tax bill. Also, if you are struggling with your mortgage payments, you might be entitled to Support for Mortgage Interest payments.


Save for your future

Benefits can help you become more financially resilient enabling you to save a little each month and the Help to Save scheme can help build your savings with up to £1,200 given over 4 years to start building a savings pot.

You can also use your benefits to boost your pension pot while still keeping most of your take-home income. Within Universal Credit, all your pension contributions are disregarded in the take-home income calculation, which means that for each £100 in pension contributions, you earn an additional £63 in Universal Credit.

“With rocketing utility bills and higher National Insurance contributions financial insecurity is expected to rise, so it’s more important than ever people claim everything they are entitled to.”

Sharon MacPherson, CEO of Scotcash

“Community lenders help customers build their financial well-being, and if people don’t access the benefits they are due they can end up in worse financial situations. We’re thrilled to see the immediate impact this calculator is having.”

Theodora Hadjimichael, CEO of Responsible Finance

“Millions of people are feeling the punishing increases in the cost of living in their daily budget. But many households are unaware of benefits they are rightfully due, wrongly assume they are not eligible for any benefits or think an application is too complicated.”

Tim Rooney, CEO of Salad Money

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