Your life

Benefits Calculator

Simply fill out this form for an instant on-line Housing and Council Tax Benefits (2008/2009) estimate.

Remember this calculation is an estimate based on the information you supply. To make an application phone (01786) 44 3210 for a form. Usually Benefit will only start from the Monday after the Council receive your form.

Step 1 - requests rent and LHA details for a Housing Benefit Claim ( skip this step if you just want help with your Council Tax bill )
Step 1 Rent details for a Housing Benefit Claim ( skip this step if you just want help with your Council Tax bill )
How much is your rent ( warning - if you rent privately, the amount may be restricted for benefit purposes if you decide to make a claim ). Do not include service charges which are not rent such as meals and heating.	£
And, if applicable, enter your weekly Local Housing Allowance. If this is a fresh claim and the rental is from a private landlord (not a Housing Association or similar) then the LHA figure will (mainly) be used instead of the contract rent. Weekly LHA rates are on the local council's website - they depend on the area and the number of bedrooms appropriate for the claim. If the actual rent is higher than the LHA, you pay the excess - if less, you are rewarded with a potential maximum HB of up to £15 more than the rent !	£
How often do you pay rent rent? (Fortnightly and monthly figures are automatically converted to weekly amounts.)
Enter the number of rent free weeks ( if any ) you get each year. Council tenants usually have 4 rent free weeks. The calculation will take this into account.
Step 2 - Council Tax details ( skip this stage if you do not want help with your Council Tax bill )
Enter your total Council Tax bill for the year( without taking off any Council Tax Benefit you already get ). Make sure you don't include water service charges.	£
Has any discount been taken off this Council Tax bill?
Step 3 - General Information about you
Are you single or living with a partner as a couple ?
Enter your age (or the age of the oldest person in a couple)
Are you (the claimant) on Income Support, income based Jobseekers Allowance or Guaranteed Pension Credit ? If "Yes" you can skip all the income questions (steps 7 to 11) because your income is assumed to be zero.
Step 4 - Claimant (and partner) disability or carer details (if any)
Do you or your partner get any of the following:- Attendance Allowance, Constant Attendance Allowance, Disability Living Allowance, Invalid Vehicle Scheme or Motability, War Pensioners' Mobility Supplement, Severe Disablement Allowance, Incapacity Benefit or you have been sick for at least 52 weeks) ? Are you or your partner registered blind (or have regained your sight in the last 28 weeks) ?
Do you (or your partner) get the highest rate of the care component of Disability Living Allowance ?
Do the following two statements apply to you ? (only say "yes" if both of them apply) (1) You (and partner) get care component of Disabilty Living Allowance (middle/high rate) or Attendance Allowance or Constant Attendance Allowance (or partner blind and you get one), and (2) No other adult lives in your home except your partner, other than disabled persons, your carer, landlord or other tenants.
Is someone getting (or entitled to) a Carer' s Allowance for looking after one of you or your partner, or both of you ?
Does the person who is disabled (you or your partner) work an average of 16 hours or more a week ?

Are you (the claimant), your partner, or both of you, being paid (or entitled to be paid) a Carer's Allowance for looking after someone ?

Step 5 - requests details of your children and young persons for whom child benefit is paid.
How many children aged under 16 do you or your partner get child benefit for ?
Is there a baby (any child aged under one) in your family ?
How many young adults aged 16 to 19 years old do you or your partner get child benefit for ?
How many children included above are disabled and receiving Disability Living Allowance or are registered blind ?
How many of those children are in receipt of Disability Living Allowance at the highest care component rate ?
Step 6 - Single lone parents
Have you been receiving Housing/Council Tax Benefit without a break since 5th April 1998 ?

Step 7 - Details of your earnings - skip to step 12 if you are on Income Support, income based job seekers allowance or Guaranteed Pension Credit
Give figures for average earning from employment and self employment for you and any partner.

Be sure to enter weekly figures in the Weekly column only and Monthly figures in the Monthly column only.	£ Weekly	£ Monthly
How much do you and your partner earn (before deductions) ? (Do not count expenses paid by your employer)
If you work as a childminder how much do you earn from this ? (Any earnings from childminding need to be counted separately from other earnings)
How much Income Tax and National Insurance is deducted ?
How much do you pay towards a pension scheme ?

How many hours are you (or your partner) each working in an average week ?
Are you (or partner) 50 or over and recently off state benefits after at least six months on them - because now working 16 hours or more ?
Step 8 - Unearned income figures for you and any partner (weekly).
Based on the number of children you have told us about you should get Child Benefit of £ - (automatically calculated)
Rent from non-family sub-tenants (meals not included). Do subtract a £20.00 disregard from the weekly rent received from each other.	£
Income from non-family boarders (meals included). Deduct £20.00 for each one.	£
Any maintenance received from a former partner or an absent parent ? Until the end of October 2008, this includes support/maintenance payments for a child unless you (or your partner) are aged 60 or over.	£
We do not count War Pensions, charitable payments or payments made as a result of personal injury as income. So do not enter them below.
Unearned income from all other sources each week - This includes Retirement and Private Pensions, Annuities, Incapacity Benefit, Carer's Allowance and Severe Disablement Allowances. But do not include Tax/Pension/Return to Work Credits, interest on savings or Attendance, Disability Living, Mobility and Fostering Allowances or Community Care Payments.	£
Step 9 - Savings, Investments and other assets (claimant and partner).
You cannot qualify for any Housing Benefit or (most) Council Tax Benefit if you and any partner together have £16,000 or more in savings and investments. The home you live in and personal possessions do not count.
How much is the value of all cash, savings, bank deposits, Tessas, PEP's, Unit Trusts, ISA's, building society accounts, Tax Credit arrears etc.	£
How much is the value of "fixed" assets and investments - shares, buildings and land (but not the house you are living in). Deduct 10% of the value to cover cost of sale.	£
Step 10 - childcare charges (up to £175 p/w for 1 child or £300 for more) and student expenses.
Charges for registered or approved childcare can be deducted from the income of couples or lone parents who work at least 16 hours p/w or on Statutory Sick, Maternity, Paternity or Adoption Pay or a similar benefit (up to 28 weeks). Couples still qualify if one works and the partner is incapacitated, in hospital or prison. Costs of childcare in the child's own home by a close relative don't count.
Enter the weekly childcare charges paid. Children count up to the September following their 15th birthday (or 16th if disabled).	£
Enter the weekly student loan or grant contribution which you or your partner make towards the maintenance of a student.	£

Step 11 - Tax and Pension Credits - income for (nearly) everyone from the Government ! They get added to claim income.
We will automatically check to see if you are due any Tax or pension Credit. If you already get paid these, take the tick out of the box and enter your payments below.
Enter weekly Working Tax Credit and Child Tax Credit. Leave out the Child Tax Credit if you or your partner have reached 60 years of age.	£
And if you do get Pension Credit then enter your weekly Pension Credit figure here.	£
Otherwise, let this program do an estimate - based on the information you have already supplied. The result may not be fully accurate - but it will be very close. Our estimate might just need to know these extra details....
Between you and your partner, are you working 30 hours or more in an average week ?
Are you (or your partner) getting High Rate Attendance Allowance ?
Step 12 - Looks for other adults who live with you and pay no rent (often grown-up children) - but don't count your partner or students
These so called "non-dependants" are assumed to be contributing to the household income so a deduction is made from any benefit for each one. So do enter the number of non-dependants in each of these Income Categories but skip this step if you (or your partner) is disabled due to blindness, or in receipt of the Disability Living Allowance care component or Attendance Allowance has been awarded.

in the Top Earnings Category (£369+ per week gross)		in the £296 - £368.99 p/w gross Earnings Category
in the £223 - £295.99 p/w gross Earnings Category		in the £220 - £222.99 p/w gross Earnings Category
in the £172 - £219.99 p/w gross Earnings Category		in the £169 - £171.99 p/w gross Earnings Category
in the £116 - £168.99 p/w gross Earnings Category		under £116 p/w gross but working at least 16 hours

The number of non-dependants (working or otherwise) in receipt of any Pension Credit at all
The number not on Income Support, Jobseekers Allowance (I.B.) or any Pension Credit and not working at least 16 hours p/w
The number of non-dependants who are under 25 and are on Income Support or Jobseekers Allowance (Income-based)
The number of non-dependants who are 25 or over and are on Income Support or Jobseekers Allowance (Income-based)
That is all you need to do! Click and let the program work it out
The total Applicable Amount figure is (automatically calculated) This is the minimum amount the government says you need to live on.
The total Net Weekly Income figure is (automatically calculated) including Tax / Pension Credits pw
How your benefit is worked out. If the Total Applicable Amount is higher than Net Weekly Income, Maximum Benefit is awarded. But if Net Weekly Income is higher than the Total Applicable Amount, 65% of the "excess income" is deducted from your weekly "eligible" rent to find the award. For Council Tax Benefit, 20% of the "excess income" is deducted from the your weekly Council Tax. NB Non-dependant deductions are also taken off at this stage.
Final Calculation result is £ Weekly Housing Benefit Award
Final Calculation result is £ Weekly "Main" Council Tax Benefit
Alternative Council Tax Benefit is often called Second Adult Rebate. It is based on the income of the non-dependants. The program calculates if you are better off with a benefit award based on your circumstances or your non-dependants.
Alternative result is £ Second adult rebate weekly Council Tax Benefit
And finally you can use the browser Print button to launch a print or change your figures to calculate again or the whole lot.

If you have any questions on any of this please phone the helpline on 01786 443210

If you'd like to apply you'll find the relevant form here