Actuarial calculators for redress and pensions
Our calculators are available under license through the Congruent client portal, giving you direct access to trusted, compliant, and scalable tools built on our actuarial expertise.
Congruent offers a suite of actuarial calculators that can be accessed directly through our secure client portal. Designed and maintained by our in-house actuarial and consulting team, these tools enable clients to perform complex calculations with confidence, without needing to build or maintain their own systems.
Our calculators are particularly valuable for firms handling high volumes of financial complaints, redress cases, or pension-related assessments.
Congruent Calculations™
A powerful actuarial engine for redress, capital, and pension modelling.
Congruent Calculations™ enables users to perform high-volume, high-accuracy calculations across a range of use cases:
- Redress calculations for DB transfers, endowments, and structured products
- Capital adequacy and provisioning models
- Pension transfer value comparisons and benefit projections
- Bulk calculations for scheme wind-up or liability management
Key features:
- Scenario-led inputs with built-in validation
- FCA-compliant methodologies and assumptions
- Full audit trail and exportable reports
- Centrally maintained and regularly updated
Related Documents
Bulk Annuity Pricing
Using our Congruent Calculations™ platform we can offer bulk annuity providers a service to help manage a bulk annuity portfolio.
We offer tried and tested defined benefit pension experience and expertise that can assist with the modelling of defined benefit pensions, including an analysis of the risk and cashflow attributes, irrespective of any complex features of the modelled scheme. Our skilled actuarial staff are familiar with using the models, including setting appropriate model assumptions e.g. discount rates, inflation and mortality rates.
We can assist with the data collation and cleansing process in order to ensure that relevant scheme data can be mapped into our models. We are able to provide flexibility in output, including scenario/stress testing of assumptions – either through a tailored report and/or structured data formats for incorporating into your own risk models.
Pension Divorce Calculator
A specialist tool for producing fair, court-ready pension sharing valuations.
The Pension Divorce Calculator enables family lawyers, courts, and financial advisers to generate accurate, defensible pension valuations for divorce proceedings.
Key features:
- Clean break valuations with flexible assumptions
- Gender-specific mortality and inflation modelling
- Customisable pension start ages and split options
- Clear, court-ready reports with supporting methodology
Supporting a Diverse Range of Clients
- Claims management companies
- Legal firms and litigation specialists
- Financial advisers and compliance teams
- Pension scheme administrators
- Regulatory consultants and audit teams
Why Choose Congruent?
Trusted Tools. Transparent Results.
Our calculators are accessed via the client portal, with user-specific logins, secure data handling, and role-based permissions. Whether you’re running a single case or managing a large portfolio, our platform is designed to scale with your needs.
- Developed by Actuaries
Built and maintained by Congruent’s in-house actuarial team. - Regulatory Confidence
Aligned with FCA guidance and actuarial best practice. - Secure & Scalable
Hosted on a secure cloud platform with enterprise-grade performance. - Support Included
Full onboarding, training, and ongoing technical support.