Grow the financial strength of the people you help

Our calculator helps finance sector organisations give the best guidance, without needing to be experts in the benefit system

One in three households have lost income as a result of the pandemic, and nearly half of families with children have lost household income. The pandemic has impacted millions of people, including those who have no experience of the benefits system.

Many people are unaware of the full range of help and support available, or what they are potentially eligible for. As a result, people are missing out on around £10 billion of benefits they are entitled to claim each year.

There are times when we all need a little extra support. We are here to help your customers quickly and easily access the support available.

Benefit and Budgeting Calculator

Our award-winning Benefit and Budgeting Calculator is the best tool to help you grow the financial strength of your customers.

The calculator helps you build the financial strength of your customers without needing to be a welfare expert. The tool helps you securely and confidentially assess your customer’s unique situation to pinpoint benefits they may be eligible for, to give them the widest possible range of support. It uses your customer’s information to calculate their future income to help them plan from month to month, so they can take control of their money and become financially stronger.

Giving the best welfare guidance to help people make decisions can be a huge challenge. It’s hard to stay on top of the latest updates, have difficult conversations and treat all customers equally well.

Standard Financial Statement and affordability

Our calculator uses the Standard Financial Statement and provides organisations and people with a digital way to complete their budget in a format recognised across a multitude of sectors.

Lesser known and under claimed supports

Our calculator covers more than Universal Credit and other well-known benefits. It also calculates eligibility for extra financial support schemes available from local authorities, utility providers and others, such as council tax support, food vouchers, free prescriptions and warm home discounts, to name a few. You can offer your customers self-serve access to the calculator whenever they want it, via your website.

Built-in support for difficult conversations

Our calculator has handy built-in average cost of living data. These numbers, from Office for National Statistics’ data about similar households, can help ease tension during difficult conversations about expenditure. This allows you to objectively help customers budget well and identify ways they can reduce their expenditure.

Financial Conduct Authority: data portability

Our calculator allows you to assess your client’s income and expenditure easily. It also gives your client the ability to share their income and expenditure with other organisations so they only need to complete it once.

Compare finances if circumstances may change

Our calculator lets you model changes in your customer’s circumstances so they can see how their financial situation is going to change. This could be as a result of redundancy, reduced job hours, or changes to their family such as having a baby.

Recognise vulnerability, and act

You may not be able to prevent vulnerability, but you can prevent further harm as a result of it. Our calculator enables you to go further than assessing affordability alone by giving you the ability to check if your customers are claiming all the benefits and support they’re eligible for. This income maximization, together with cost savings, means you can improve the financial strength of your customers.

Finance sector organisations use the Benefit and Budgeting Calculator to:

  • Accurately maximise income
  • Compare different scenarios
  • Create a positive action plan
  • Explain complex changes simply
  • Identify ways to improve budgeting
  • Give consistent and up-to-date guidance
  • Save, store and access cases efficiently

Inspirational stories from clients who use
our Benefit and Budgeting Calculator

Trusted by

The Benefit and Budgeting Calculator helps CDER Group’s customers to take control of their finances

The Benefit and Budgeting Calculator is offered as a self-serve facility for customers to take control of their own financial situation without the potential discomfort of discussing their circumstances face to face or via phone. The tool offers a live chat helpdesk to customers staffed by Policy in Practice experts and CDER Group’s dedicated welfare team is also on hand to offer guidance or specialist referrals where necessary.

Register for an upcoming webinar

TitleDateStart TimeDurationRegister
How local authorities can prepare for the end of the eviction ban Renters have been protected by a ban on evictions during the pandemic but this security is coming to an end putting many at risk of homelessness.

An estimated 1 in 3 households have lost income because of coronavirus and over 7 million UK adults are behind on their household bills. The drop in the nation's financial resilience, together with the looming end of the eviction ban, means that local authorities are braced for a surge in homelessness applications.

In this webinar Policy in Practice, together with Beam, will explore how the pandemic has affected people's pockets and what this means for people's housing security. We will look at the best practices of leading local authorities who are tackling homelessness and identify effective solutions for others to adopt.

Join this webinar to learn:
- How the pandemic has affected household's financial resilience and common paths into homelessness
- How local authorities are using data to prevent homelessness
- Best practice solutions for supporting people who become homeless

We will be joined by a guest speaker from Greenwich Council.
28/4/202110:30 BST1.3 hours
Back to work: Making the most of the Restart Scheme Many people who lost their jobs because of the Covid pandemic have turned to the support of the welfare system for the first time. By Christmas last year nearly four million people were on furlough. By January this year six million people were receiving Universal Credit, a staggering 98% increase from March 2020.

With more people chasing a third fewer jobs than before the pandemic, now is a critical time for job seekers and the organisations who support them. DWP has responded by investing over £3.5 billion in employment support to help people back into work as quickly as possible.

All frontline organisations need the best tools to help advisors have motivational conversations with customers, show them how to navigate an overly complex benefit system and demonstrate how they will be better off in work. For Restart Scheme bidders this is a requirement.

Join this webinar to learn:

- What the outlook is for employment in 2021
- How Universal Credit was designed to help people in to work
- How our leading software is used by frontline organisations to give effective advice to job seekers

We will be joined by guest speakers including Deven Ghelani, Director and founder of Policy in Practice and one of the architects of Universal Credit.

"The Benefit and Budgeting Calculator is used as a motivational tool, as what better way is there to show someone how they can improve their situation by entering employment than by seeing that big difference as a financial figure?"
Andy Johnson, Employment Support Officer, Rotherham Council
5/5/202110:30 BST1.3 hours
What we all need to know about implementing Breathing Space Breathing space comes into force on 4 May 2021 to give people in problem debt a sixty day period to get back on their feet.

The new policy will freeze interest, fees and enforcement for people in problem debt, with further protections for those in mental health crisis treatment. It will see enforcement action from creditors halted and interest frozen for people with problem debt.

We know that tackling debt early is better for higher recoveries, and better for people's mental health and wellbeing. Nearly 2 in 5 people who've been affected by mental health problems have had a drop in income due to the pandemic, so the new rules are timely.

In this webinar we explore what breathing space means for councils and other creditors, how they can best support people to build their financial resilience, and what can be done to prevent the need for breathing space in the first place.

We will hear from one leading organisation that offers a free customer debt management solution about what Breathing Space means to them.
19/5/202110:30 BST1.3 hours
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