This page gathers 28 benefits calculators for the payments, credits and allowances that governments in Australia, Canada, the United Kingdom and the United States pay to households. They are built for parents, carers, people living with a disability or long-term illness, anyone between jobs or on a low income, and people in later life. Each calculator follows one country’s rules: a UK disability payment and a US disability benefit are decided in completely different ways.
What a benefits calculator can tell you
Benefits follow a few patterns. Some start from a maximum and shrink as income rises, as the Canada Child Benefit and US Supplemental Security Income do. Some are set by an assessment instead: Personal Independence Payment in the UK turns a points score into a weekly rate, and US veterans’ disability compensation follows a combined rating. Others are a flat payment that one income limit switches on or off, like Australia’s Carer Allowance, or a fixed package paid over a set term, like the UK Bereavement Support Payment.
A calculator applies that pattern to your circumstances and, for income-tested benefits, shows the full amount, what your income takes away and what is left.
Find a calculator for your situation
Having a baby or raising children
In Canada, the Canada Child Benefit calculator works out the tax-free monthly payment from adjusted family net income and your children’s ages, and a companion tool adds what a province or territory pays alongside it. In the UK, the Tax-Free Childcare calculator shows the government top-up on a childcare bill and how much of it a large bill loses to the cap. For time off around a birth there are calculators for Australia’s Paid Parental Leave, Canada’s EI maternity and parental benefits, an employer’s top-up on EI, and UK Maternity Allowance for people who cannot get Statutory Maternity Pay.
Losing a job or living on a low income
After a job loss, the EI regular benefit calculator covers Canadian Employment Insurance, and the unemployment benefits calculator works from your own state’s replacement rate and weekly maximum. For Universal Credit claimants weighing a job offer, the better off in work calculator compares household income in and out of work. Low-paid workers can check two refundable credits, the Canada Workers Benefit and the US Earned Income Tax Credit, and US households can size food assistance with the SNAP estimator. UK renters can test their rent against the Local Housing Allowance cap with the Housing Benefit / LHA calculator, which then applies the Universal Credit taper.
Disability, illness and caring
The UK PIP calculator turns assessment points into weekly rates, and a companion tool turns the care someone needs after State Pension age into an Attendance Allowance rate; both show the payment that arrives every four weeks, and neither benefit is means-tested. In the US, the SSDI calculator builds a disability benefit from average indexed monthly earnings, an SSI calculator subtracts countable income from the federal benefit rate, and the VA disability calculator reads the basic monthly amount for a combined rating. Carers in Australia can check Carer Allowance, a flat fortnightly payment for each person cared for.
Later life and bereavement
UK pensioner households can see how the Winter Fuel Payment splits between two people and how much is recovered through tax above the income limit. In Australia, the Commonwealth Seniors Health Card calculator runs the card’s income test, including deemed income from account-based pensions. US retirees can project a Social Security benefit forward at a cost-of-living adjustment they choose, and after a partner dies, the UK Bereavement Support Payment calculator shows the first payment, the monthly instalments and the cost of claiming late.
One tool is kept for reference only: the Canada Carbon Rebate calculator shows the rebate’s final amounts, because the programme ended in April 2025 and no new payments are made.
Benefits calculators by country
Who pays, how income is measured and how often money arrives differ by country, so start with the country that pays you.
Australia
The four Australian benefits calculators cover payments and cards assessed by Services Australia: Paid Parental Leave, Carer Allowance, the Commonwealth Seniors Health Card and the Low Income Health Care Card. Most test adjusted taxable income, while the Low Income Health Care Card looks at gross income over a short period before you claim.
Canada
The nine Canadian benefits calculators centre on Canada Revenue Agency payments and Employment Insurance. The Canada Child Benefit and the quarterly GST/HST credit run on a July-to-June benefit year based on adjusted family net income; the credit was renamed the Canada Groceries and Essentials Benefit in July 2026, and its calculator uses the new amounts. Ontario households can also work out the Ontario Trillium Benefit, three provincial credits paid as one.
United Kingdom
The eight UK benefits calculators follow rules set by the Department for Work and Pensions and HMRC, where some benefits ignore income entirely and Universal Credit tapers away as earnings rise.
United States
The seven US benefits calculators mix federal programmes run by the Social Security Administration, the IRS, the Department of Veterans Affairs and the USDA with unemployment insurance, which each state runs under its own rules; for those, the calculator asks for your state’s figures.
How to read your result
Every calculator runs in your browser, updates as you type and draws a chart of the result. A few habits make the answer more useful:
- Enter the income measure the calculator asks for. Adjusted family net income in Canada, adjusted taxable income in Australia and adjusted gross income for the US Earned Income Tax Credit are different figures.
- Check the period: a weekly, fortnightly or four-weekly amount looks very different from an annual one.
- Read the headroom and reduction lines, not just the headline. They show how close you are to an income limit and what a pay rise would cost you.
- Run a second scenario before a change in pay, hours or household, and compare the two.
- Where a calculator relies on published rates and limits, its page lists each figure with its source and the date it was last updated.
The results are estimates for planning. The agency that pays a benefit decides the amount from its own records and rules, including conditions no calculator models, so check anything important with it before you act.
All 28 calculators on this page are free to use, and none of them is part of the paid tier.
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