Council Tax Reduction and Housing Benefit Calculator

Fill out this simple form for an instant on-line estimate - this calculation is only an estimate and is based on the information you supply.

For a full evaluation make a formal claim asap. Usually Benefit / Support will only start from the Monday after the Council receive your form.

Preliminary Step

This step is only for a claimant (or partner) in receipt of Universal Credit - all others go straight to Step 1

Are you (or your partner) on Universal Credit and you have the figures per month off the UC award notification for entry below ?

If "Yes" then please skip the income steps 7, 8 and 9.

First, enter your UC allowance and elements Amount

And then any take-home pay in this assessment period

Next, any non-work income and other benefits taken off

And enter the actual Universal Credit monthly payment

Step 1: Rent

This section requests rent details for a Housing Benefit Claim (skip to Step 2 if you are on Universal Credit or just want help with your Council Tax bill).

Enter your actual "contract" rent. Warning - excessive amounts may be restricted for claim purposes. Do not include charges for ineligible services such as meals and heating.

Select the "rent period" (how often the contract rent is paid). Fortnightly and monthly figures are automatically converted to weekly amounts.

Enter the number of rent free weeks (if any) in your rent year. Council tenants often have 2 or 4, so check locally.

Is your property rented from a RSL (a Housing Association, Council or similar) and 'under occupied' because of spare bedrooms ? If you are below State Pension age (see Step 3), the rent eligible for your housing benefit is cut by 14% if your accommodation is considered to be 'under occupied' by one extra bedroom and 25% if you have two or more spare bedrooms. There will be many and varied exemptions from these cuts - contact the council for specific advice. If your property is not rented from a RSL please select "No Spare" in the box.

And, if applicable, enter your weekly Local Housing Allowance. So if this fresh rent claim is from a private landlord (not a Housing Association or similar) then use the Local Housing Allowance figure. Weekly LHA rates are on the local council's website - they depend on the area and the number of bedrooms appropriate for the claim. N.B. the Shared Room Rate will apply to your claim if you are under 35 and single.

Step 2: Council Tax

This section requests your Council Tax details (skip to step 3 if you do not want help with your Council Tax bill)

Enter your actual Annual Council Tax bill ( without taking off any Council Tax Reduction you already get ).

Has this Council Tax bill already been discounted ?

Step 3: General

This section requests some General Information about you. If you answer "Yes" to this first question you can skip all the income questions (steps 7 to 11) because your income will be entirely disregarded for the purposes of this calculation.

Are you (the claimant) on Income Support, Income-based Jobseeker's Allowance, Income-related Employment and Support Allowance or Pension Guarantee Credit?

Are you single or living with a partner as a couple ?

Enter your age (or the age of the oldest person in a couple)

Have you (or your partner) reached State Pension Credit age ? This can make a huge difference to your claim, so check on www.gov.uk/state-pension-age if in doubt. Presently people qualify for the State Pension on their 66th birthday.

If you (or your partner) have reached State Pension Credit age then which State Pension Age date attainment category in this list describes when SPA was first reached by you and / or your partner ? The answer can make a huge difference to your claim.

Step 4: Capacities and Disabilities

This section looks for claimant (and partner) work capacity / health / disability issues or carer functions (if any) - otherwise skip this step. Should you be one of the few Permitted Work earners (on the higher monetary limit) then you are likely to be awarded substantial benefit so do apply asap. Be sure to enter any Employment and Support Allowance payments down at Step 8 as other unearned income. Where a partner gets the (higher) ESA support component, a couple might want to swap claim roles to increase potential HB/CTS.

If applicable, enter your (the HB/CTS claimant's) Employment and Support Allowance details for ESA Phase, ESA element and ESA component.

And your partner's Employment and Support Allowance details for ESA phase, element and component, if applicable.

Is this a new claim for Employment and Support Allowance on or after 5th April 2017 ?

Disability applies if you (or partner) can match one of these qualifying conditions:-
You get Attendance or Constant Attendance Allowance, Disability Living Allowance, Personal Independence Payment, Invalid Vehicle Scheme or Motability, War Pensioners' Mobility Supplement, Severe Disablement Allowance, Incapacity Benefit (paid at the long term rate) or you are registered blind (or regained your sight in the last 28 weeks)?
Or you (the claimant only) have been off work sick for at least 52 weeks (28 if terminally ill) with medical evidence / sick notes ?

Do you (or your partner) get the highest rate of the DLA care component or the PIP enhanced rate daily living component ?

Do these two statements apply to you ? (only say "yes" if both of them apply)

You (and partner) get care component of DLA (middle/high rate) or the PIP daily living component or Attendance / Constant Attendance Allowance (or partner blind and you get one), and
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 or on ESA (you or your partner) work an average of 16 hours or more a week ?

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

Step 5: Children and Young Persons

This section 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?

How many young adults aged 16 to 19 years old do you or your partner get child benefit for?

Is this a new claim for Housing Benefit / Council Tax Support after 30th April 2016, or was your first child born after that date ?

Is this a new claim for Housing Benefit after 5th April 2017, or has a new child joined your household after that date ? [ A Yes to this question triggers the '2 child limit' for new Housing Benefit claims. To some extent this restriction is governed by the child tax credit rules, which appear to lift the HB '2 child limit' where CTC has been claimed for 3 or more children. If you believe this to be so then select No or seek advice. ]

How many children included above are disabled and receiving DLA or a PIP or are registered blind?

How many of those children are getting DLA (highest care rate) or the enhanced rate daily living component of a PIP ?

Step 6: Single Lone Parent

This section requests details for single lone parents only - otherwise skip this step.

Have you been receiving Housing/Council Tax Benefit without a break since 5th April 1998?

Step 7: Earnings

This section requests your earnings details. As mentioned at Step 3, skip to step 12 if you are on Income Support, Income-based JSA, Income-related ESA or PGC. Give figures for the claimant (and partner). Include average earnings from employment and self employment. 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)

£ Weekly

£ Monthly

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)

£ Weekly

£ Monthly

How much Income Tax and National Insurance is deducted ?

£ Weekly

£ Monthly

How much do you pay towards a pension scheme ?

£ Weekly

£ Monthly

How many hours are you (or your partner) each working in an average week? Select the highest.

Step 8: Unearned Income

This section requests your Unearned income figures for you (and your partner). Please make them weekly.

Rent from non-family sub-tenants (meals not included). Do subtract a £20.00 disregard from the weekly rent received from each one.

Income from non-family boarders (meals included). Do subtract £20.00 from each one.

Maintenance received from a former partner ? Child support/maintenance payments are disregarded so do not include them.

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. Include Universal Credit, Retirement Pensions, monies from annuities, Incapacity Benefit, Maternity or Carer's or Severe Disablement or Contribution-based Jobseeker's or Contributory Employment and Support Allowances. But do not include any Child Benefit, Tax/Pension/Return to Work Credits, interest on savings or Attendance, Disability Living, PIP, Mobility and Fostering Allowances or Community Care Payments.

Step 9: Savings

This section requests your Savings, Investments and other assets (claimant and partner). You cannot qualify for any Housing Benefit or (most) Council Tax Support if you and any partner 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, ISA's, building society accounts, Unit Trusts, Tax Credit arrears etc. and all "liquid assets".

How much is the value of "fixed" or non liquid 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

This section requests your eligible 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 in remunerative work or on Statutory Sick, Maternity, Paternity or Adoption Pay or a similar benefit (up to 28 weeks).Each parent must be working at least 16 hours a week - but couples still qualify if one works and the partner is incapacitated, in hospital or prison. N.B. costs of childcare in the child's own home by a close relative are excluded.

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 can also be set off against claimant (and partner) income.

Step 11: Tax and Pension Credits

This section looks for Tax and Pension Credits - income for (nearly) everyone from the Government! They get added to claim income.

If you do get them, enter weekly Working Tax Credit and (unless you or partner have reached State Pension age) Child Tax Credit here.

If you already know your Credits then enter your weekly Pension Credit figure here.

If you are not actually being paid any Credits, there is no such income so you should skip the rest of this step. But if you really want an auto estimate then the program can do one, "check" this box and it might just need to know the extra details below.

Between you and your partner, in an average week how many hours are you working ? Only select "24 to 30" if one is working 16 hrs or more a week.

Are you or your partner working 16 hours or more p/w while the other is incapacitated, in prison, or hospital inpatient ?

Are you (or your partner) a disabled adult on High Rate Attendance Allowance, DLA or a PIP ?

Step 12: Non Rent Paying Adults

This section looks for other adults who live with you but pay no rent (often grown-up children) - but don't count your partner, students or members of the armed forces away on operations. 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 (working non-dependants may now be receiving Universal Credit as well). But skip this step if you (or your partner) is disabled due to blindness, or are receiving a DLA care / PIP living component or Attendance Allowance has been awarded.

in the Top Earnings Category (£544+ p/w gross)

between £445 and £543.99 p/w gross earnings

between £334 and £444.99 p/w gross earnings

between £256.00 and £333.99 p/w gross earnings

between £176 and £255.99 p/w p/w gross earnings

under £176 p/w gross but works at least 16 hours

The number of non-dependants (working or otherwise) in receipt of any Pension Credit at all

Number of non-dependants (any age) on Employment and Support Allowance Contribution-based (C)

Not on Income Support, Jobseekers Allowance (I.B.), ESA or any Pension Credit and not working at least 16 hours p/w. Or on Universal Credit and either working less than 16 hours or not working but aged 25 or over.

Non-dependants who are under 25 and are on IS, JSA, assessment phase income-related ESA(IR) or Universal Credit (no earnings).

Non-dependants who are 25 or over and are on IS, income-related ESA (IR) or JSA: Or under 25 and on main phase income-related ESA(IR).

That's all you need to do!
Click and let the program work it out.

The total HB Applicable Amount figure is: (automatically calculated). The Welsh CTR figure is not displayed, but will be slightly higher.

The total Net Weekly Income figure is (automatically calculated) including Tax / Pension Credits p/w

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 Maximum HB to find the award. For Council Tax Reduction a 20% of the "excess income" taper is deducted from the maximum award.
NB Non-dependant deductions are also taken off at this stage.

Weekly Housing Benefit Award: Weekly Council Tax Reduction is:

A cap may now be put on the total amount of Benefits you can get, one of which is Housing Benefit. To find out whether the Benefit Cap will be applied to you, go to www.direct.gov.uk/benefitcap. You will need to make a note of how much HB is shown here. No cap will apply to Council Tax Reduction.

And finally you can use the browser Print button to launch a print or change your figures to calculate again or the whole lot.

Council Tax Reduction and Housing Benefit Calculator

Preliminary Step

Step 1: Rent

Step 2: Council Tax

Step 3: General

Step 4: Capacities and Disabilities

Step 5: Children and Young Persons

Step 6: Single Lone Parent

Step 7: Earnings

Step 8: Unearned Income

Step 9: Savings

Step 10: Childcare

Step 11: Tax and Pension Credits

Step 12: Non Rent Paying Adults

That's all you need to do!Click and let the program work it out.

Weekly Housing Benefit Award: Weekly Council Tax Reduction is:

That's all you need to do!
Click and let the program work it out.