Free interactive tools
Calm, structured tools for life transitions
Built to reduce uncertainty during redundancy, savings changes and benefit claims. Every tool is plain English, mobile-first, and indicative only — not an official decision from DWP or HMRC.
Universal Credit
Assessment period simulator
See how your claim date, PILON, redundancy pay and savings affect your first Universal Credit payment.
Open tool →Capital rules
Savings threshold visualiser
Move a slider to see how the £6,000 and £16,000 capital limits affect entitlement — for singles, couples, inheritance and redundancy.
Open tool →Step by step
After redundancy: action workflow
A calm, 9-step roadmap covering redundancy pay, savings, Universal Credit, Council Tax, housing and documents.
Open tool →Transition engine
What changes if…
Pick a life change — part-time job, inheritance, partner working, moving house — and see what changes, what stays the same and what to do next.
Open tool →Lifecycle dashboard
Timeline dashboard
Track the dates that matter: assessment periods, first payment, document deadlines and reporting windows. Saved in your browser.
Open tool →Preparation
Document preparation checklists
Scenario-based packs for UC, Council Tax Reduction, PIP and redundancy — including the questions you'll be asked and what catches people out.
Open tool →Local intelligence
Local support finder
Enter a postcode to see how Council Tax Reduction, Discretionary Housing Payments and the Household Support Fund work where you live.
Open tool →
These tools give an indicative view based on published 2026/27 DWP rules. For an official decision, apply on GOV.UK or book a free appointment with Citizens Advice.