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Later Life Guide

Free tools

Fifteen of them, and they share one rule: the answer comes before anything is asked of you. There is no account to make, and nothing you type is sent to us or stored anywhere. The one exception you choose yourself: the deadline tracker can email you a reminder if you ask it to.

You do not know where to start

What can I claim?

Three questions, then a list of the benefits worth reading about. It narrows a long list rather than settling entitlement, which is a more honest job than most checkers attempt.

You already receive something

What unlocks what

Tick what you get and see what follows from it. Built only from links we have checked against an official source, with the source shown beside each one.

You are near the income line

Pension Credit gap estimator

Compares your income against the floor your own circumstances produce. It shows the gap and what makes it up, and deliberately never puts a figure on the award.

Something has a date attached

Deadline tracker

The benefit deadlines that carry a real consequence for missing them, with a calendar file generated in your browser.

You are about to fill in a form

The two-week claim diary

A record kept over a fortnight turns an opinion into evidence. Five prompts a decision maker actually reads for, printable to go in the envelope.

You want to know when a payment will actually arrive

Bank holiday payment shifter

Your weekday, your National Insurance number's last two digits, or your Universal Credit date, and every payment that moves for a bank holiday through 2028, with the day it usually arrives instead.

You work and care, and the £204 limit worries you

Carer's Allowance earnings checker

A week's pay after tax and the expenses GOV.UK allows, then which side of the limit you land on and by how much, with every deduction shown. It never decides the claim.

A checklist is about to be done and you want to know what it turns on

Continuing healthcare checklist scorer

Mark the eleven domains the way you expect them to be marked and see whether the published threshold for a full assessment would be met, and which marks carry it. It predicts nothing about eligibility.

You have given money away and want to see the dates

Gifts and 7-year rule timeline

Add each gift and a date to test against, then which are exempt, which the allowances cover, which are past seven years and which would be counted, with the taper band for each. It never states a tax bill.

You want to know whether an estate is anywhere near the line

Inheritance Tax threshold checker

The estate's value, whether the person was widowed, and whether the home goes to the children, then the threshold that applies from GOV.UK's figures and whether the estate is under or over it. It never states a tax bill.

Someone has moved in or out, or has dementia

Council tax discount checker

One row per adult and the ground that applies to each, then GOV.UK's answer for the household: no discount, 25%, 50%, or nothing to pay. It never states a bill.

You want to know who would pay for care

Care fees band estimator

Five questions, then the band the council would use: full cost, income plus a set sum per £250 of savings, or income only, with whether the home counts and whether a deferred payment must be offered. It never states a fee.

Someone has died and you are dealing with it

Probate deadline planner

Enter the date of death and get the registration, Tell Us Once, Inheritance Tax and executor's-year dates in order, each with its source, as a calendar file. It never guesses a date the rule does not give.

You know you need one and not which

Which power of attorney form?

Five questions, then the form (LP1F, LP1H or both), the registration fee for the donor's circumstances, and the page to read next. It never judges capacity for you.

You have written something and are unsure

The wording checker

Paste a sentence about a bad day and see which of the four things a decision maker reads for are missing from it. It never writes anything for you.

Why none of them needs your email

Because a tool that holds the answer hostage is not a tool, it is a form. The industry standard in this sector is to collect a name and an email before showing anything, and to sell what it learns. We took the other decision and wrote it into the rules the site is built to: results first, always.

The practical consequence is that everything runs in your own browser. We cannot see what you enter, there is nothing to delete later, and closing the tab is all it takes to be rid of it. If you ask the deadline tracker for a reminder, only your email, a first name if you give one, and those dates are sent, and the reminder email has a link that deletes them.

What they will not do

None of them decides anything. The checker narrows a list, the estimator shows a gap, the wording checker matches words rather than reading them. Entitlement is settled by the office that pays the benefit, and where a figure matters we say who to ring instead of guessing at it.

How we make money: Every tool here is free, asks for nothing, and earns us nothing. Our how we make money page explains where the site's income comes from.