As of 13 August 2026, AI can only partly estimate how much Pension Credit you could receive.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open GOV.UK and find the current Pension Credit guidance and official Pension Credit calculator.
   2. Gather your latest State Pension and private pension letters, benefit statements, wage or self-employment records, bank or investment balances, rent and service-charge details, and your partner's equivalent information if you have one.
   3. Enter the figures and circumstances into the copyable prompt, including whether each amount is weekly, monthly or annual, and leave unknown items marked as unknown rather than guessing.
   4. Paste the completed prompt into ChatGPT, Claude or Gemini and ask it to produce the provisional estimate with every assumption and missing item shown.
   5. Compare the model's treatment of each income, benefit, savings and housing item with the GOV.UK guidance and calculator, correcting the figures and rerunning the estimate when they differ.
   6. Use the official calculator or contact a qualified welfare benefits adviser before making a financial decision or submitting a Pension Credit claim.

   Prompt

   Estimate my possible UK Pension Credit entitlement using only the information I provide and the current official GOV.UK rules available on 2026-08-13. Do not invent missing figures, rules or eligibility. First list any missing information that could change the result. Then show separately: 1) possible Guarantee Credit, 2) possible Savings Credit if relevant, and 3) the combined provisional estimate. State every assumption, explain how each income, pension, benefit, savings, capital and housing figure has been treated, and give a result only as an estimate or range where the rules or information are uncertain. Do not tell me that I definitely qualify and do not prepare a claim. Tell me which parts I must check with GOV.UK or a qualified welfare benefits adviser. My details are: age and date of birth: [insert]; relationship status and partner's details: [insert]; postcode and country in the UK: [insert]; State Pension and other pension income: [insert]; earnings and self-employment income: [insert]; other benefits and regular income: [insert]; savings, investments and other capital: [insert]; rent, service charges and housing situation: [insert]; disability, caring or other relevant circumstances: [insert]; any other information: [insert].

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.