Claim what you're owed
You do not need to know what a scheme is called to find it. Every checker below works from your circumstances — your age, your household, your income, whether you rent or care for somebody — and hands back named payments with the official rules behind each one.
Start hereAsk What You're Owed →Describe your situation in your own words and get back the payments, credits and grants that fit it, each with the rule it comes from. About a minute, no sign-up, nothing stored.Pick where you live
The rules, the amounts and the bodies you deal with are different in each. Start in the right one and nothing below wastes your time.
Ireland ↗
Revenue tax credits, SEAI grants, welfare payments, tenant rights and the deadlines that close without warning.
Northern IrelandNorthern Ireland ↗
Its own benefits system, its own rates, and the cross-border rules if you live one side and work the other.
EnglandEngland ↗
Universal Credit, Pension Credit, Attendance Allowance, council tax support and the reliefs HMRC does not chase you about.
Find out what you qualify for
Four ways in, depending on how much you already know. Any of them will do — they read the same verified engine underneath.
Grants Checker
Seven questions about your household, then a named list of what you could claim and what to do next. No email, no personal details.
The Money MOT
A fuller health check that scores where you stand and hands back a plan, in the order worth doing it.
Life-Event Finder
Had a baby, lost a job, started caring for someone, been bereaved? Entitlement changes at those moments and nobody writes to tell you.
Every calculator and checker
The full set, region by region — means tests, take-home pay, rent credit, carer's rules, pension top-ups and the rest.
Then actually claim it
Knowing you qualify is the easy half. These are for the part where a form has to be filled in and posted.
Claim Pack Generator
Your forms, the documents each one wants, and where to send it — assembled for your situation so nothing comes back rejected on a technicality.
Appeal Letter Generator
Refused? A lot of refusals are overturned. This writes the letter, cites the rule you are relying on, and tells you the deadline.
My Claims Plan
Keep track of what you have applied for, what is still open and what is waiting on you. Stored on your own device.
Key deadlines
The dates that close. Some schemes give you four years to claim; some give you weeks, and miss it and the money is gone.
If you are working, or thinking about it
The question that stops most people claiming is whether taking work will leave them worse off. It usually does not, but it sometimes does, and guessing is expensive.
Better Off Working? (Ireland)
What happens to your payments if you take a job, take more hours, or go self-employed — the real figure, including the bits that taper.
Better Off Working? (UK & NI)
The same for Universal Credit, including the taper and the cliff edges where earning one pound more costs you far more than a pound.
The traps in the rules
Where the system punishes doing the sensible thing — the thresholds, the household rules and the cut-offs worth knowing before you trip one.
The Missing Money Index
Which counties claim least: Household Benefits, Carer's Allowance and Disability Allowance, all 26 counties, from the Department's own counts and the Census.
What changed for me
Same household, two dates, real euro. What a Budget or a rate change actually did to the money you get.
Read it properly
Every guide names its source and the date we read it. If a figure moves and we have not caught it, the page is wrong until we fix it, and we would rather hear from you.
All guides
Payment by payment, in plain English: who it is for, what stops you getting it, and the step that trips most people up.
Payment dates
When you will actually be paid, including every bank holiday that moves it.
Unclaimed billions
How much goes unclaimed, area by area, and where those figures come from. The work two national papers reported.
How we check a figure
Why every number on this site is tied to an official page, and what happens automatically when one of those pages changes.
What this costs you
Nothing, and there is no catch in the next paragraph. There is no paywall, no membership, no adverts and no affiliate links anywhere on the site. We take no money from any bank, supermarket, sponsor or government body, and we do not sell your data.
You can read exactly how that works, and what we promise if it ever changes, on how we make money.