Pension Credit Calculator

Nearly four in ten pensioners who qualify for Pension Credit never claim it — often because they assume they earn too much. This free calculator gives you a quick, plain-English estimate in about 30 seconds. It runs entirely on your device; nothing is saved.

How the estimate works

The main part of Pension Credit is Guarantee Credit, which tops your weekly income up to a set minimum: £238 a week if you're single, or £363.25 a week for a couple. If your income is below that line, you're likely entitled to roughly the difference. Savings under £10,000 are ignored; above that, every £500 is treated as £1 a week of income.

Who can claim

• You (or your partner) have reached State Pension age.
• Your income is below the limit above — owning your home doesn't stop you, and modest savings don't either.
• You can claim for a parent or relative with their permission — phone claims make it straightforward.

Why it's worth it — the gateway

Even a small Pension Credit award can unlock a lot more: the Winter Fuel Payment, Council Tax reduction, Housing Benefit help with rent, a free TV licence at 75+, the Warm Home Discount, and help with NHS costs. That's why it's the single most valuable thing most pensioners can check.

Common questions

This is a free estimate to help you decide whether to make a claim — not an offer or a guarantee, and not financial advice. Rules, rates and thresholds change. Always confirm your exact entitlement with the official source before acting.