Congruent Calculations™.
The audit-ready calculation platform that operates across the firm’s three analytical dimensions — Value, Risk, Capital. Routine engagements run at the Value foundation; sophisticated transaction work reaches into Risk; the deepest analytical positions run the full Value → Risk → Capital pipeline. Every calculation anchored to a reproducible control ID; every chain transparent and inspectable.
One engine. Six productised Solutions.
The platform supports the firm’s full range of regulated calculation work — from individual case-level redress to scheme-wide bulk operations to forward-looking governance analytics under CP26/1. Each context runs at the appropriate stratum within the platform’s Value → Risk → Capital architecture.
One form factor. Three regulatory presentations.
Every engagement produces a Check My Calculation artefact — sealed, versioned, recipient-verifiable. Same convention across the firm's regulated work; different regulatory content by context.
The client-facing surface for the platform.
The portal is where most clients actually interact with the platform day-to-day. Two distinct functions: structured instruction-writing for engagement scoping — the firm’s mechanism for arriving at unambiguous instructions, used most prominently in the Pension Sharing Order Calculation Service — and per-engagement CMC access for delivered results. Per-engagement views, per-CMC access, historical calculation store, recipient-side control-ID lookup, audit-trail of edits.
CC-SCH-2026-04-91D2-7E04
CC-PSO-2026-04-B11C-2A8F
- Per-engagement view. Each engagement carries a portal record; calculation status, completion, and sign-off authority surfaced in one place.
- Per-CMC access. Every CMC the firm issues is surfaced in the portal; downloadable PDF plus structured-data export for client systems integration.
- Historical calculation store. Full retention of every calculation the user has access to. Useful for audit and re-run scenarios across multiple regulatory cycles.
- Recipient-side control-ID lookup. A stakeholder receiving a CMC can be granted lookup access to verify the control ID is genuine and the published version is current. The independence claim is operational, not declarative.
- 24/7 availability. With planned maintenance windows announced through the portal in advance.
Direct portal access: portal.mycongruent.com
What the platform runs on. Who runs it. The institutional layer.
For institutional buyers — insurers, providers, large law firms, regulator-engagement contexts — the assurance layer is part of the buy. Infrastructure detail, regulatory authorisations, group structure.
Secure cloud hosting; encryption end-to-end.
- Stable, secure cloud platform. Hosted on a trusted enterprise platform supporting the firm's proprietary databases.
- Database, document and network encryption. Including SSL encryption for all web access.
- Proprietary IP. Owned by Congruent Risk Limited (CH 09465877) — the firm's proprietary-software entity.
- 24/7 availability. Planned maintenance windows announced through the portal.
- UK data residency & retention. Per ICO compliance obligations.
Authorised, regulated, professionally indemnified.
- FCA authorisation. Congruent Actuarial Limited, FRN 831289 (Claims Management Company).
- Bar Standards Board. Licensed for direct instruction — relevant for litigation and expert-witness work.
- Institute and Faculty of Actuaries. Professional Standards and Code of Conduct compliance.
- ICO Data Protection Register. Registration ZA022408.
- Professional Indemnity Insurance. Pembroke Managing Agency Limited / Hamilton Syndicate 4000.
- TAS 100 / APS X3. TAS 100 compliance across all engagements running on the platform; APS X3 compliance for legal-proceedings work.
The corporate architecture behind the platform.
- Congruent Holdings Limited (09465766) — group holding company.
- Congruent Management Limited (09465853) — staff and shared services.
- Congruent Actuarial Limited (08709494) — operating; the regulated actuarial entity.
- Congruent Risk Limited (09465877) — owns the proprietary software including Congruent Calculations™.
- Congruent Administrators Ltd (11328182) & Congruent Trustees Ltd (11328118) — SSAS administration and professional trusteeship.
- Congruent Analytics Ltd & Congruent Financial Ltd — name reservation entities for future use.
Four ways to engage. Each with clear SLAs and governance layers.
From single-case bespoke modelling to fully outsourced calculation services for high-volume programmes. Pricing is transparent — fixed fees, subscriptions, or outcome-linked arrangements depending on scope.
Specific price points are scoped per engagement. The firm's commercial posture: align incentives, reduce procurement friction.
The platform at scale.
since 2018
since 2018
The Congruent Calculations™ platform has been in production since 2018 — battle-tested across the firm's productised Solutions. Since launch, the firm has issued thousands of certified Check My Calculation™ results to clients across pension on divorce, redress, scheme funding, accounting, de-risking, and FCA-regulated compensation contexts.
Operations-attested track-record figures — engagement counts, CMC™ artefacts produced, calculation control IDs registered, platform uptime — are made available to institutional clients on request under standard NDA. The structure of what's published, the firm's quality and governance evidence, and the verification arrangement are at /calculations/track-record/.
Common questions about the actuarial calculation platform.
Buyers come to the firm with several recurring questions about the calculation platform — what the actuarial software does, how it differs from a general-purpose pension calculator, and how the audit-traceability claim translates into the deliverable buyers actually receive. The answers are the same regardless of which Solution the platform is supporting.
One actuarial engine, six productised Solutions.
The platform is not a general-purpose pension calculator. It is a productised actuarial software environment that runs the firm’s six Solutions on a single calculation chain: redress under FCA DISP App 4, Pension Sharing Order matrimonial work, employment compensation calculations, bulk annuity sponsor-side analysis, sponsor covenant reading, and Value for Money assessment. One engine, one control-ID convention, one reproducible record per calculation.
Reproducible calculations, verifiable by any qualified third party.
Audit-traceable means every input, every assumption, every intermediate step, and every output is recorded in a structured way that allows any qualified third party — regulator, skilled person, expert witness, opposing counsel — to reconstruct the calculation from the published record. Check My Calculation™ is the public-facing verification function: given a calculation identifier, the function returns the reproducibility record. This is the audit-traceability claim, operationalised.
An institutional-grade alternative to spreadsheet calculation.
Pension and actuarial calculations across the redress, matrimonial, tribunal, and pension-valuation domains are traditionally produced in spreadsheets — bespoke for each matter, dependent on the calculator not making an error, hard to audit at scale. The platform is the institutional-grade alternative: the same methodology applied consistently, the same audit-traceability across every output, the same governance regime end-to-end. For buyers running high-volume programmes (past-business reviews, multi-case discrimination claims, BPA transaction analytics), the platform is the difference between calculation-as-craft and calculation-as-system.
Related articles from the firm.
Independent analysis and methodology pieces from the firm covering the substantive questions the platform supports.
Brief us on your platform engagement.
From single-case projects to multi-year subscription access to fully outsourced calculation services. The firm's response cadence and scoping conversation pattern differ by delivery model.
Sub-pages.
Schema & portal — for technical buyers
The CMC schema in full — field definitions, type declarations, retention policy. Portal API for clients integrating CMCs into their own systems. Authentication and access controls. Data residency, retention, and deletion policy. Common integration patterns.
Read more → 10 / NumbersTrack record — fuller breakdown
Five-year volume trends. Throughput SLAs and historical performance. CMC variant breakdown. Client-sector distribution (no client names — sector-level only). Notable platform-scale milestones.
Read more →