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

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

Challenger firms and fintechs — fast, pragmatic calculations to support product launches, regulatory submissions and investor reporting.

Specialist boutiques and advisory firms — white‑label or co‑sourced calculation capability to augment technical capacity.

Mid‑market insurers and intermediaries — integrated remediation, redress and governance programmes with clear SLAs.

Large financial institutions — enterprise‑grade engines, audit trails and governance to meet internal and regulator expectations.

Trustees and pension schemes — defensible valuations, loss quantification and reporting tailored to trustee governance.

Regulators and appointed skilled persons — independent, transparent analysis designed for scrutiny and evidential standards.

Legal and compliance teams — calculation outputs structured for litigation support, expert reports and settlement negotiation.

Why Choose Congruent?

Trusted Tools. Transparent Results.

Senior‑led expertise Every engagement is overseen by experienced actuarial and regulatory leaders who combine technical judgement with pragmatic commercial sense.

Audit‑ready calculation engines Our modular, version‑controlled engines produce transparent, traceable outputs and evidence trails designed to withstand regulator, auditor and board scrutiny.

Productised but flexible IP We package repeatable calculation modules for scale while keeping bespoke modelling and judgement where it matters, so clients get consistency without losing specialist insight.

Delivery models to fit scale Choose one‑off projects, retainers, subscription access to engines or fully outsourced calculation services — each with clear SLAs and governance layers to match client complexity.

Governance and defensibility We prioritise clear assumptions, reproducible methods and board‑grade reporting so outputs are defensible in remediation, litigation or regulatory review.

Client diversity and proportionality We tailor scope and commercial terms for challenger firms, boutiques, trustees, insurers and large institutions, ensuring solutions are proportionate to risk and governance needs.

Commercial clarity Transparent pricing options — fixed fees, subscriptions and outcome‑linked arrangements — that align incentives and reduce procurement friction.