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

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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 housing providers can boost the income of tenants One in three households have lost income because of Covid-19 and over 7 million UK adults are behind on their household bills. The drop in the nation’s financial resilience, together with the end of the eviction ban, means that housing providers are braced for higher demand for support.

Yet we know that over £10 billion of benefits are unclaimed by working-age households each year.

In this webinar we will showcase the work of two housing providers who have each secured millions of pounds worth of increases in income for their tenants, boosting their financial resilience and improving their quality of life.

Join this webinar to learn:
- Which benefits were most underclaimed by tenants
- How the housing providers engaged with tenants
- How the housing providers secured the increased income for tenants
23/6/202110:30 BST1.3 hours
Register
West Midlands: Boost safeguarding through multi-agency data sharing The responsibility to safeguard vulnerable residents lies with councils and a range of safeguarding partners, but too often vulnerability is identified too late. Limited data co-ordination between organisations makes it hard not only to identify people who need support before they hit a crisis, but also to understand whether they are known to other safeguarding agencies and the wider safeguarding landscape.

Prevention is critical to improve safeguarding and we know that data needs to be more effectively shared across agencies if we are to better protect vulnerable people and reduce the potential of people falling into the social care system. This is a big challenge.

Join our meeting to hear learnings from a powerful project, backed by the LGA and NHS Digital, to link data across adult services, children's services, public health, the NHS, Police and Fire and Rescue Services.

Join us to hear:

- How this innovative and ground-breaking approach to combining administrative datasets has created a clear view of safeguarding concerns across all partners
- How new smart approaches to data management have tackled the security and data governance challenges
- How the data is brought to life to help multi-agency safeguarding (MASH) teams, social workers and all frontline safeguarding teams to improve communication, liaison and decision making

With guest speaker Paul Withers, Data Protection Manager, Walsall Council.
9/7/202110:00 BST1.5 hours
Register
Back to normal: coping when Covid-19 welfare support is withdrawn In response to the devastating impact that Covid-19 has had on the economy the government invested significant resources in supporting people whose income has been affected by the pandemic.

As we turn the corner on tackling the virus so we're starting to see the end of the protections that were put in place. The furlough scheme is set to end on 30 September, as is the support for self-employed people, and other protections have either already ended or are set to end soon.

Yet the future for jobs and job seekers is far from certain. In this webinar we will explore the protections that are ending and the role that data can play to help local authorities identify vulnerability in advance, target support and track change.

Join this webinar to learn:

- Which Covid-19 protections are ending, and when, and what this means for low-income households
- What the end of the eviction ban may mean for people facing problem debt
- How data can help local authorities to model demand for services in an uncertain future
21/7/202110:30 BST1.3 hours
Register
Presentation of findings: Low Income Londoners - How Covid has affected Londoners As part of our continuing data-led investigation into the causes and consequences of poverty in London we share the findings of our latest analysis to reveal how the pandemic has impacted low-income Londoners.

This latest Living Standards Index brings to life administrative data from nearly half a million low-income London households which has been shared by 14 London Boroughs.

Join us in this session as we present our latest findings on:

- Caseload changes
- The cost of Council Tax Support
- Worklessness
- Relative poverty
- Housing affordability
21/7/202115:00 BST1.5 hours
Register
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