Calculator

Pension Credit estimator

An indicative Pension Credit estimate using 2025-26 rates. Covers the Guarantee Credit thresholds (£227.10/week single, £346.60/week couple), the Severe Disability Addition (£81.50/week), the Carer Addition (£46.93/week), capital tariff income above £10,000, and Savings Credit for those who reached State Pension age before 6 April 2016.

Your householdPension Credit uses a single threshold for a single pensioner and a higher threshold for a couple.

I live with a partner (married, civil-partnered, or cohabiting)Both of you must be over State Pension age for a couple claim in most cases.I reached State Pension age before 6 April 2016Only people who reached SPA before this date can also get Savings Credit.

Weekly incomeEnter weekly amounts before Pension Credit itself. Attendance Allowance, PIP, DLA, and Armed Forces Independence Payment are ignored — don't include them.

State Pension per week — £

Full new State Pension is about £230.25/week in 2025-26. Divide a 4-weekly payment by 4.

Private, workplace, or overseas pension per week — £

Earnings from any work per week (after tax) — £

Other weekly income — £

Carer's Allowance, most rental income, annuities not already included above.

Savings and capitalEnter total savings, investments, and property other than your home.

Total savings and capital — £

£10,000 is ignored. Above that, every £500 (or part) is treated as £1/week of income. No upper cap for Pension Credit.

Severe Disability AdditionIf you receive Attendance Allowance, PIP daily living, or DLA middle/high care rate, an extra £81.50/week can apply.

I receive Attendance Allowance, PIP daily living, or DLA middle/higher care rateI live alone (no other adults in the household, apart from my partner if any)Someone claims Carer's Allowance for looking after meIf yes, the Severe Disability Addition cannot apply. Compare whether the carer receiving £83.30/week is better than adding £81.50/week to your Pension Credit.I care 35+ hours a week for someone on a qualifying disability benefit (Carer Addition)

Why this matters

About 850,000 pensioner households miss out on Pension Credit — roughly £2.2 billion a year that isn't claimed. Even £1 a week of Pension Credit passports you to:

Full Housing Benefit on eligible rent
Council Tax Reduction (up to 100% discount in many areas)
Free NHS dental treatment and the NHS Low Income Scheme
Warm Home Discount (£150)
Free TV licence if you or your partner is 75 or over
Cold Weather Payments (£25/week during cold snaps) in Great Britain

What this calculator doesn't model

Mixed-age couples (partner under State Pension age) — usually directed to Universal Credit.
Housing costs support alongside Pension Credit (shared housing costs for some supported accommodation).
Deprivation of capital rulings.
Recent changes to income (backdating is separate).

For a full benefit check, run the triage. For detailed guidance on claiming Attendance Allowance (which often triggers the Severe Disability Addition above), see our Attendance Allowance guide or the broader pensioner benefits overview.