Free UK benefits calculators and checker tools
Use 40 free UK benefits calculators and checkers to compare Universal Credit, Child Benefit, PIP, Pension Credit, rent help, childcare support and savings rules for 2026/27.
Most searched tools
Popular routes through the site
Most users do not stop at one calculator. These linked routes help move from a quick estimate into the next question that usually matters.
Universal Credit hub
Estimator, savings rules, partner changes, rent changes and worked examples in one place.
Family and childcare support hub
Child Benefit, HICBC, Tax-Free Childcare, Free School Meals and maternity support.
Rent and council tax support hub
Housing costs, Housing Benefit, Council Tax Reduction and Benefit Cap checks.
Universal Credit, Child Benefit and main support
The headline benefits that most working-age and pension-age households need to check first.
Free Universal Credit calculator 2026/27 UK
Free Universal Credit calculator for 2026/27. Estimate UC from earnings, rent, children and savings, including the £6,000, £16,000 and tariff income rules.
Free Child Benefit calculator 2026/27 UK
Free Child Benefit calculator for 2026/27. See weekly, monthly and annual amounts for 1, 2 or more children using the latest UK rates.
HICBC calculator 2026/27 UK
Calculate the High Income Child Benefit Charge for 2026/27. Check the £60,000 to £80,000 threshold band and how much Child Benefit you keep.
Free Pension Credit calculator 2026/27 UK
Free Pension Credit calculator for 2026/27. Estimate weekly top-ups using income, savings and key additions, including the £10,000 savings disregard.
Housing Benefit estimator
Check whether a legacy Housing Benefit case may still qualify using weekly rent, income, savings and pension-age status.
Benefit Cap calculator
Check whether your monthly benefits appear to be above the current cap inside or outside Greater London, using the current family and single-adult limits.
Children, maternity and childcare support
Childcare top-ups, school meals, maternity pay and family grants.
Tax-Free Childcare calculator
Estimate how much government top-up you could get through Tax-Free Childcare based on annual childcare spending.
Tax-Free Childcare monthly calculator
Estimate the monthly government top-up on childcare costs, 20p for every 80p spent, up to £2,000 per child per year.
Statutory Maternity Pay calculator
Estimate SMP for the first 39 weeks, 90% of weekly pay for 6 weeks, then the flat rate for up to 33 weeks.
Maternity Allowance vs Statutory Maternity Pay calculator
Compare likely Statutory Maternity Pay and Maternity Allowance totals using average weekly earnings and basic eligibility checks.
Free School Meals eligibility checker
Check likely Free School Meals eligibility in England using Universal Credit income, other qualifying benefits and infant-year rules.
Healthy Start checker
Check whether pregnancy or having a child under 4 could make you eligible for Healthy Start support.
Sure Start Maternity Grant checker
Check whether a household may qualify for the one-off £500 Sure Start Maternity Grant.
PIP, ESA and sick pay
Support for people who cannot work or who live with a long-term condition.
PIP rates and eligibility checker 2026/27 UK
Check likely PIP daily living and mobility awards for 2026/27 in the UK. Includes points thresholds, standard and enhanced rates, and weekly, monthly and annual amounts.
ESA guide and estimator
Estimate New Style ESA using likely group, private pension income and contribution history.
Statutory Sick Pay calculator
Estimate weekly and total Statutory Sick Pay under the current 2026 rules using average weekly earnings and time off.
Contribution-based JSA calculator (New Style)
Estimate contribution-based New Style Jobseeker’s Allowance using age, hours worked and recent National Insurance contribution history.
Housing and council tax support
Help with rent, council tax bills and housing benefit for legacy claimants.
Council Tax Reduction estimator
Free Council Tax Reduction calculator for 2026/27: estimate help from your bill, income, benefits and savings. Each council sets its own scheme, so check yours.
Housing Benefit estimator
Check whether a legacy Housing Benefit case may still qualify using weekly rent, income, savings and pension-age status.
Winter and heating payments
Winter Fuel Payment and Cold Weather Payments for eligible households.
How changes affect your award
See exactly how savings, earnings changes or new childcare costs alter what you receive.
Universal Credit savings limit calculator 2026/27 UK
Check how savings affect Universal Credit in 2026/27. See the £6,000 lower limit, £16,000 upper limit and £4.35 per £250 tariff income rule.
Earnings and Universal Credit calculator
How much Universal Credit you keep when you earn more in 2026/27: pay up to the £427 or £710 work allowance is ignored, then UC falls 55p per £1, so you keep 45p.
Benefit Cap calculator
Check whether your monthly benefits appear to be above the current cap inside or outside Greater London, using the current family and single-adult limits.
Pages that explain the change behind the number
Useful when the calculator answer looks different from last month and you want to know exactly why.
What happens to Universal Credit if my savings increase?
UC savings rules 2026/27: below £6,000 ignored entirely, £6,000–£16,000 reduces your award at £4.35/month per £250 over, over £16,000 stops UC entitlement. Use the savings impact calculator to see the effect on your award.
What happens to Universal Credit if I work more hours?
Working more hours and Universal Credit 2026/27: the 55% taper means you keep 45p per extra pound earned above the work allowance (£710/month or £427 with housing). See a worked example of exactly how your UC award changes.
What happens to my benefits if my partner moves in?
Partner moves in and benefits 2026/27: UC switches to a joint claim, savings are assessed jointly, single person council tax discount ends. See what changes, what to report to DWP and by when.
What happens to my benefits if my rent increases?
Rent increase and UC 2026/27: the housing element is capped by the Local Housing Allowance for your area, a rent rise above the LHA cap doesn't increase UC. See the LHA rules, benefit cap interactions, and DHP options.
Browse by benefit cluster
These hubs group together the calculator, explainers and next-step checks for each major area of support.
Universal Credit hub
Universal Credit hub 2026/27: how it works, what drives the award, how earnings and savings affect it, and which calculators and guides to use.
Family and childcare support hub
Child Benefit, Tax-Free Childcare, Free School Meals, Healthy Start, Sure Start and maternity support, all the UK family benefit tools in one place.
Rent and council tax support hub
UC housing costs, Housing Benefit, Council Tax Reduction and the Benefit Cap, all the tools for understanding housing support in one place.
Disability and health support hub
PIP, ESA, SSP, the UC health element and the Benefit Cap disability exemption, all the disability-related benefit tools in one place.
Pension-age support hub
Pension Credit, council tax help, winter payments and worked examples for pension-age households in one place.
Legacy tax credits
Working Tax Credit and Child Tax Credit ended for new claims in April 2025 — these pages are for historic and migration-reference use only.
Working Tax Credit legacy calculator
Reference calculator for legacy Working Tax Credit using the last published 2024 to 2025 rates and thresholds.
Child Tax Credit legacy calculator
Reference calculator for legacy Child Tax Credit using the last published 2024 to 2025 rates and thresholds.