Keep more of your money

UK benefits, free support & claimable expenses

Find support you may qualify for, check the rules and go straight to the official claim service. Explore 35 routes covering benefits, work costs, children, bills, healthcare and travel.

Official sources checked . Eligibility and availability can change.

Start a free benefits check

Know what you are claiming

Benefits & grantsSupport subject to eligibility and an award. Follow the reporting rules and any conditions.

Tax reliefA reduction in tax on qualifying expenses, not repayment of the whole bill. No relief on costs fully reimbursed by an employer.

Free provision & discountsSome services are free if eligible; reduced tariffs still cost money. Check exactly what is covered.

Advances & loansUsually repayable from future benefits. Check the deductions before accepting.

For example, a qualifying £60 job expense at a 20% tax rate gives £12 tax relief, limited by the tax paid. If you complete Self Assessment, claim through that return. Read HMRC’s explanation and claim routes.

35 support routes.

8 routes to check

Uniform, work expenses & getting a job

Check employer reimbursement first. Employee tax relief reduces the tax on eligible costs; it does not repay the whole purchase price. These HMRC routes are for employees, with different rules for self-employment.

Tax relief

Uniform washing, repairs & small tools

UK

Relief may cover cleaning, repairing or replacing a recognisable work uniform or specialist clothing, and repairing or replacing small work tools.

Eligibility, evidence & things to check
Who may qualify
You paid qualifying costs yourself for your job. Ordinary everyday clothing and the initial purchase of clothing do not qualify.
How to prepare
Your job, the relevant tax years, employer reimbursements and receipts if claiming actual costs. Check HMRC’s fixed-expense allowance alternative.
Before you claim
Employer-provided free laundry you choose not to use is excluded. Required PPE should be supplied or reimbursed by the employer; HMRC does not allow employee relief for PPE.
Official guide & claim routegov.uk for Uniform washing, repairs & small tools
Tax relief

Business travel, overnight stays & meals

UK

Necessary travel for work can qualify, with associated accommodation and meals where the rules are met.

Eligibility, evidence & things to check
Who may qualify
Qualifying work journeys, including eligible temporary workplaces. Normal commuting between home and your permanent workplace is excluded.
How to prepare
Journey dates, work purpose, destinations, tickets, hotel and meal receipts, and any employer payments.
Before you claim
A holiday, normal lunch or ordinary commute does not become claimable because you are employed.
Official guide & claim routegov.uk for Business travel, overnight stays & meals
Tax relief

Using your own vehicle for work

UK

You may claim relief on the difference between HMRC’s approved mileage amount and what your employer paid for qualifying work journeys.

Eligibility, evidence & things to check
Who may qualify
You use your own car, van, motorcycle or bicycle for work. Ordinary commuting is normally excluded.
How to prepare
Date, reason, start and end postcodes, miles and employer reimbursement for every journey. Use the rate for the relevant tax year.
Before you claim
Mileage rates cover the running costs: do not add fuel, charging or repairs again. Relief is on the eligible shortfall, not a full mileage payment from HMRC.
Official guide & claim routegov.uk for Using your own vehicle for work
Tax relief

Professional fees & approved subscriptions

UK

Mandatory professional fees and subscriptions to HMRC-approved bodies may qualify when relevant to your work.

Eligibility, evidence & things to check
Who may qualify
The organisation is approved, the membership relates to your job and you paid the cost.
How to prepare
Organisation name, membership evidence, receipt, tax year and employer reimbursement details.
Before you claim
Lifetime memberships, unapproved bodies and fees paid by your employer do not qualify.
Official guide & claim routegov.uk for Professional fees & approved subscriptions
Tax relief

Necessary equipment for your job

UK

Some substantial equipment required for employment may qualify through capital allowances.

Eligibility, evidence & things to check
Who may qualify
You have to buy it for work, rather than simply preferring your own equipment; private use must meet the official conditions.
How to prepare
Receipt, cost, purchase date, employer requirement and details of any private use or reimbursement.
Before you claim
A personally chosen upgrade or an item provided by the employer is not automatically eligible.
Official guide & claim routegov.uk for Necessary equipment for your job
Earlier-year tax relief

Working from home: earlier tax years only

UK

Employee working-from-home tax relief is unavailable from tax year 2026/27. Eligible claims for earlier years may still be possible.

Eligibility, evidence & things to check
Who may qualify
For an earlier eligible year, you had to work at home under HMRC’s rules. Choosing homeworking or ordinary hybrid arrangements is insufficient.
How to prepare
The earlier tax year, why homeworking was required and evidence for additional qualifying costs. Check HMRC’s four-year claim limit.
Before you claim
Do not claim this employee relief for 2026/27. Rent and broadband used privately do not qualify as additional work-only costs.
Official guide & claim routegov.uk for Working from home: earlier tax years only
Grant / practical support

Access to Work support

Great Britain; NI has a separate service

Support may help with specialist equipment, support workers, communication at interviews or disability-related travel needs.

Eligibility, evidence & things to check
Who may qualify
A physical or mental health condition or disability affects your work; the award depends on assessed needs.
How to prepare
Job details and an explanation of the support you need. Follow the award and purchasing instructions before spending.
Before you claim
The grant does not replace reasonable adjustments your employer must make. Some costs may need paying up front and reclaiming.
Official guide & claim routegov.uk for Access to Work support
Jobcentre support

Interview travel, uniform & starting-work costs

Check your UC / Jobcentre service

Help may cover interview travel, interview clothing, uniform, equipment or childcare before your first wage. It usually does not need repayment.

Eligibility, evidence & things to check
Who may qualify
You need the money to obtain or start a job and cannot afford the expenses yourself.
How to prepare
Ask your work coach or use your UC journal. Provide the job or interview details and requested cost evidence before purchase.
Before you claim
This is assessed support, not an automatic entitlement. Ask whether the proposed payment is a grant or a repayable advance.
Official guide & claim routegov.uk for Interview travel, uniform & starting-work costs

7 routes to check

Benefits & regular income support

Start with a free benefits check. Awards depend on household circumstances and some benefits reduce others; check the combined effect before making a new claim.

Benefit

Universal Credit (UC)

Great Britain; NI route linked in the official guide

Help with living costs for eligible people on a low income, out of work or unable to work. You may qualify while employed.

Eligibility, evidence & things to check
Who may qualify
Age, residence, household income, savings and circumstances matter. Couples generally claim jointly; student eligibility has exceptions.
How to prepare
Use a benefits calculator first. The official claim service explains identity, income, savings, housing and partner details needed.
Before you claim
A UC claim can end some existing benefits. Get advice before switching; follow any Migration Notice deadline. An advance must usually be repaid.
Official guide & claim routegov.uk for Universal Credit (UC)
Benefit

Pension Credit

Great Britain; NI route linked in the official guide

Extra income for eligible people over State Pension age. An award can also open access to other support.

Eligibility, evidence & things to check
Who may qualify
Eligibility depends on income and household circumstances. Owning your home or having savings does not automatically rule you out.
How to prepare
Pension and other income, savings, partner details and your National Insurance number for the official service.
Before you claim
Couples and mixed-age households have specific rules. Use the official checker rather than assuming everyone over pension age qualifies.
Official guide & claim routegov.uk for Pension Credit
Disability benefit

Personal Independence Payment (PIP)

England and Wales; Scotland uses Adult Disability Payment; NI has its own route

Support for extra costs where a long-term health condition or disability affects daily living or mobility.

Eligibility, evidence & things to check
Who may qualify
Assessment focuses on how your condition affects tasks and getting around. You can qualify while working or with savings.
How to prepare
Examples of daily living and mobility difficulties, help required, frequency and relevant supporting evidence.
Before you claim
A diagnosis alone does not establish entitlement; use the correct national claim service.
Official guide & claim routegov.uk for Personal Independence Payment (PIP)
Carer benefit

Carer’s Allowance / Carer Support Payment

England and Wales; Scotland uses Carer Support Payment; check NI separately

Support may be available if you care for someone for at least 35 hours a week and they receive a qualifying benefit.

Eligibility, evidence & things to check
Who may qualify
Earnings, education and other eligibility conditions apply. Only one carer can claim Carer’s Allowance for the same person.
How to prepare
Care hours, earnings after allowed deductions and the cared-for person’s qualifying benefit details.
Before you claim
A claim can affect your benefits and the cared-for person’s benefits. Check this before applying.
Official guide & claim routegov.uk for Carer’s Allowance / Carer Support Payment
Disability benefit

Attendance Allowance

England and Wales; Scotland uses Pension Age Disability Payment; check NI route

Help with extra personal-care costs for eligible people at or above State Pension age.

Eligibility, evidence & things to check
Who may qualify
A disability or health condition creates sufficient care or supervision needs. You do not need to already have a paid carer.
How to prepare
Examples of help or supervision needed during the day or night and supporting information.
Before you claim
This benefit does not cover mobility needs. Scotland’s replacement has its own application route.
Official guide & claim routegov.uk for Attendance Allowance
Contribution-based benefit

New Style Jobseeker’s Allowance

Great Britain; NI rules linked in the guide

Possible support if unemployed or working fewer than 16 hours a week on average, with a qualifying National Insurance record.

Eligibility, evidence & things to check
Who may qualify
Age, work availability and relevant Class 1 contributions are checked; self-employed Class 2 contributions alone normally do not qualify.
How to prepare
Employment history, National Insurance details and the information requested by the official claim service.
Before you claim
If you also get UC, the combined award is adjusted. This is not a separate full payment on top of unchanged UC.
Official guide & claim routegov.uk for New Style Jobseeker’s Allowance
Contribution-based benefit

New Style Employment and Support Allowance

Great Britain; check NI claim arrangements

Possible support if illness or disability limits your ability to work and your National Insurance record qualifies.

Eligibility, evidence & things to check
Who may qualify
Contribution conditions and assessment rules apply. Partner income and savings are treated differently from UC.
How to prepare
National Insurance record, employment details, fit note where required and evidence for the assessment.
Before you claim
If paid alongside UC, UC is reduced by the New Style ESA amount. Check Statutory Sick Pay and other eligibility rules.
Official guide & claim routegov.uk for New Style Employment and Support Allowance

8 routes to check

Children, childcare & school costs

Check the scheme for your nation and child’s age. Compare childcare routes together, because some cannot be used at the same time.

Benefit

Child Benefit & National Insurance credits

UK

Support for people responsible for a child under 16, or under 20 in approved education or training.

Eligibility, evidence & things to check
Who may qualify
Only one person can claim for each child. The official guide explains residence and responsibility rules.
How to prepare
Child details and the documents requested by HMRC. Consider who needs the National Insurance credits.
Before you claim
Higher household earnings can create a tax charge. Claiming while opting out of payments may still protect eligible pension credits.
Official guide & claim routegov.uk for Child Benefit & National Insurance credits
Free hours / eligibility check

Free childcare & childcare cost checker

Nation-specific schemes; start with the official checker

Compare free early education or childcare hours and help with approved childcare costs.

Eligibility, evidence & things to check
Who may qualify
Child age, work, income, provider approval and where you live determine available support.
How to prepare
Children’s ages, work and income details, and the childcare provider’s registration.
Before you claim
Free hours do not necessarily cover meals or optional extras. Confirm the funded place, sessions and any charges with the provider.
Official guide & claim routegov.uk for Free childcare & childcare cost checker
Government top-up

Tax-Free Childcare

UK; approved providers

Eligible families receive a government contribution to an approved childcare account alongside their own payment.

Eligibility, evidence & things to check
Who may qualify
Work, income and child-age conditions apply; the provider must participate in the scheme.
How to prepare
Compare the official eligibility rules and your current childcare support before opening an account. Reconfirm eligibility every three months.
Before you claim
You cannot receive Tax-Free Childcare and UC at the same time. Check the effect on your whole UC claim before applying.
Official guide & claim routegov.uk for Tax-Free Childcare
Childcare support

UC childcare costs & upfront help

Use your national UC service

Eligible working UC claimants may get help with registered childcare. Starting work or increasing hours may also qualify for upfront-cost help.

Eligibility, evidence & things to check
Who may qualify
Paid work and registered childcare conditions apply. Couples usually both need to work, with specified exceptions.
How to prepare
Provider registration, invoices, payment evidence and childcare dates. Ask your work coach about upfront help before committing costs.
Before you claim
Reporting deadlines and payment limits apply. Do not claim the same childcare cost through incompatible schemes.
Official guide & claim routegov.uk for UC childcare costs & upfront help
Free provision

Free school meals

Different application routes in all four nations

In England, GOV.UK says children in UC households qualify from academic year 2026/27 regardless of household income. Infant free meals have separate rules.

Eligibility, evidence & things to check
Who may qualify
School, age, benefit and national eligibility rules apply; the official page links to Scotland, Wales and NI.
How to prepare
Apply through the council or school route shown for your location. Provide the requested benefit evidence.
Before you claim
Register rather than assuming meals are arranged automatically. Check your school’s arrangements and the current national rules.
Official guide & claim routegov.uk for Free school meals
Local grant / practical support

School uniform & PE kit support

Council and nation-specific

Help may be available with uniform or PE kit. Schools can explain available support and second-hand arrangements.

Eligibility, evidence & things to check
Who may qualify
Local grant availability and eligibility vary; there is no single guaranteed UK uniform payment.
How to prepare
Contact the school and council with your child’s school, household circumstances and any required benefit evidence.
Before you claim
School uniform help is separate from employee uniform tax relief. Check grant deadlines and rules before buying.
Official guide & claim routegov.uk for School uniform & PE kit support
Food support

Healthy Start food & vitamins

England, Wales and NI; Scotland uses Best Start Foods

Help with specified healthy foods and free vitamins for eligible pregnant people and families with a child under four.

Eligibility, evidence & things to check
Who may qualify
Usually qualifying benefits and more than ten weeks of pregnancy or a child under four. Under-18 pregnancy and some other circumstances have separate rules.
How to prepare
Use the official eligibility and application service; have pregnancy, child and benefit details ready.
Before you claim
The support is for specified items, not an unrestricted shopping voucher. Use Best Start Foods if resident in Scotland.
Official guide & claim routegov.uk for Healthy Start food & vitamins
Non-repayable grant

Sure Start Maternity Grant

England, Wales and NI; Scotland has Pregnancy and Baby Payment

A one-off grant may help with the costs of a baby. It does not need repayment and does not affect other benefits.

Eligibility, evidence & things to check
Who may qualify
Usually a first child or an eligible multiple birth, with specified qualifying benefits. Exceptions are explained in the guide.
How to prepare
Check the deadline: from eleven weeks before the due date until six months after the birth. Prepare pregnancy confirmation and benefit details.
Before you claim
Apply using your nation’s route. Scotland uses a different payment rather than this grant.
Official guide & claim routegov.uk for Sure Start Maternity Grant

5 routes to check

Council tax, essentials & household bills

Local support is often worth checking even if you do not receive benefits. Availability, application windows and evidence vary by council and provider.

Bill reduction

Council Tax Reduction

Great Britain; NI has a rates scheme

Eligible low-income households may receive a reduction through their local council, including some people in work.

Eligibility, evidence & things to check
Who may qualify
The council considers household circumstances, income and savings under its scheme.
How to prepare
Council tax reference, income, savings, benefits and household details for the council’s application.
Before you claim
Claim separately from UC. A UC award does not automatically arrange Council Tax Reduction. NI uses a different system.
Official guide & claim routegov.uk for Council Tax Reduction
Exemption / discount

Full-time student Council Tax exemption

Council Tax areas; check your council

A household made up entirely of qualifying full-time students can be exempt. Mixed households may get a discount.

Eligibility, evidence & things to check
Who may qualify
The course must meet the official duration and study-hour conditions. Household composition matters.
How to prepare
Student-status confirmation from the institution and the council’s exemption or discount application.
Before you claim
Being enrolled in any course is not enough. A non-student resident can change the bill.
Official guide & claim routegov.uk for Full-time student Council Tax exemption
Local support

Local help with food, energy & essentials

England: Crisis and Resilience Fund; Scotland/Wales alternatives linked

Councils may offer help with essential costs such as food, energy, water, essential items and housing.

Eligibility, evidence & things to check
Who may qualify
Local criteria apply. GOV.UK says you do not have to receive benefits to seek this help.
How to prepare
Use the official council finder, then check the scheme, evidence requirements and application window for your area.
Before you claim
An award is not guaranteed. Councils choose how support is provided and may limit repeat applications.
Official guide & claim routegov.uk for Local help with food, energy & essentials
Energy bill discount

Warm Home Discount

England, Wales and Scotland; unavailable in NI

A qualifying household may receive a one-off discount on its electricity bill, rather than cash paid to the household.

Eligibility, evidence & things to check
Who may qualify
Qualifying-benefit and supplier conditions vary by nation. Check the current winter’s rules and opening date.
How to prepare
Benefit and electricity account details. The official guide explains automatic awards and when to contact a supplier.
Before you claim
The page checked on 7 October says the scheme will reopen in October 2026. Check current status before applying; Scotland may require a supplier application.
Official guide & claim routegov.uk for Warm Home Discount
Lower-cost tariff

Broadband & phone social tariffs

UK; participating providers

Some providers offer cheaper broadband or phone packages for people receiving UC, Pension Credit or other specified benefits.

Eligibility, evidence & things to check
Who may qualify
Provider criteria differ; the benefit recipient normally needs to be the main contract holder.
How to prepare
Check your provider’s eligibility, coverage, package details and how to switch using Ofcom’s current list.
Before you claim
These are discounted paid services, not generally free broadband. Compare the actual package and total cost.
Official guide & claim routeofcom.org.uk for Broadband & phone social tariffs

3 routes to check

NHS costs & treatment travel

Check entitlement before claiming an exemption. Receiving UC does not automatically make every NHS charge free.

Full or partial help

NHS Low Income Scheme

GB; separate NI arrangements

Eligible people may receive full help through HC2 or partial help through HC3 with specified health costs, including some workers and students.

Eligibility, evidence & things to check
Who may qualify
The scheme assesses income, savings and circumstances. Benefit status alone is not the only route.
How to prepare
Income, savings and housing-cost evidence requested by the NHS scheme. Check the certificate’s coverage and validity.
Before you claim
Partial help is not a blanket exemption. Use the nation-specific application arrangements.
Official guide & claim routenhsbsa.nhs.uk for NHS Low Income Scheme
Charge exemption

Free NHS prescriptions: eligibility check

England; rules elsewhere differ

Some ages, benefits or valid exemption certificates can qualify a person for free NHS prescriptions in England.

Eligibility, evidence & things to check
Who may qualify
UC eligibility depends on take-home pay in the relevant assessment period. New Style JSA or ESA alone does not automatically qualify.
How to prepare
Check the official NHS eligibility guidance and any certificate validity before declaring an exemption.
Before you claim
If unsure, pay and ask for an FP57 refund receipt when paying so you can seek a refund if entitled.
Official guide & claim routenhsbsa.nhs.uk for Free NHS prescriptions: eligibility check
Expense reimbursement

Travel costs for referred NHS treatment

England; Scotland and Wales forms linked; check NI separately

Eligible patients may reclaim reasonable travel costs for qualifying referred NHS treatment.

Eligibility, evidence & things to check
Who may qualify
Entitlement to help, a qualifying referral and the cheapest reasonable transport method are checked.
How to prepare
Appointment or referral details, entitlement evidence, tickets and receipts. Ask the treatment provider about reimbursement or an HC5 claim.
Before you claim
Routine journeys without a qualifying referral do not automatically qualify. Confirm permitted travel and the claim deadline.
Official guide & claim routenhsbsa.nhs.uk for Travel costs for referred NHS treatment

2 routes to check

Free bus travel

Concessionary schemes have different ages, qualifying criteria, journey limits and valid travel times. Check the scheme that applies to your address.

Free eligible travel

Older person’s bus pass

All four nations; age and travel rules differ

An eligible concessionary pass can provide free travel on covered services.

Eligibility, evidence & things to check
Who may qualify
In England the national older-person route starts at State Pension age; Wales, Scotland and NI have routes from age sixty. Local exceptions exist.
How to prepare
Proof of age and address, photograph and the documents requested by the issuing service.
Before you claim
Check times, services and geographical coverage. A pass does not mean every train or bus journey is free.
Official guide & claim routegov.uk for Older person’s bus pass
Free eligible travel

Disabled person’s bus pass

England application finder; devolved nation routes linked

Eligible disabled residents may qualify for concessionary bus travel under their local or national scheme.

Eligibility, evidence & things to check
Who may qualify
The issuing service assesses whether you meet its qualifying disability criteria.
How to prepare
Identity, address, photograph and the disability or benefit evidence requested by the service.
Before you claim
Not every disability benefit award guarantees a pass. Companion travel and valid journey times depend on the scheme.
Official guide & claim routegov.uk for Disabled person’s bus pass

2 routes to check

Advances & loans: money you must repay

These routes can help with timing or essential costs, but are not free money. Check grant support first and understand future deductions.

Usually repayable

UC advance or hardship payment

Use your national UC service

An assessed advance or hardship payment may help while awaiting payment or facing specified difficulties.

Eligibility, evidence & things to check
Who may qualify
The available type, amount and terms depend on the circumstances and UC rules.
How to prepare
Ask through your official account or UC contact. Request the repayment schedule and impact on future payments.
Before you claim
These payments must usually be paid back from future UC. Job-start or upfront-childcare grants have different rules.
Official guide & claim routegov.uk for UC advance or hardship payment
Repayable loan

Budgeting Loan

Great Britain; check NI route

An eligible loan may help with specified essential items or costs for people receiving certain benefits.

Eligibility, evidence & things to check
Who may qualify
Qualifying benefits, time on benefits and other conditions apply. UC claimants use the applicable UC advance route instead.
How to prepare
List the essential cost and check eligibility and repayment terms through the official service.
Before you claim
You repay the amount borrowed, normally through benefit deductions. A loan is not a grant or an expense refund.
Official guide & claim routegov.uk for Budgeting Loan

Before you send a claim

  1. Check the current official eligibility rules, the scheme for your address and any deadline.
  2. Gather the requested evidence: income, savings and household details for benefits; receipts, work purpose and reimbursements for expenses.
  3. Check how the claim affects existing benefits and whether any payment must be repaid. Get benefits advice if the combined result is unclear.
  4. Use the official service linked above, keep a copy of your submission and report relevant changes as instructed.

Keep passwords, bank details, National Insurance numbers and identity documents within the official application process. Do not send them to Tailored Deals.

For an incorrect link or guidance update, use our contact and corrections page. For purchase planning, explore the buying guides.

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