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Common Financial Tool


The Common Financial Tool (CFT) is used to assess household income and expenditure with a view to setting a contribution across all statutory debt solutions.

It uses benchmark expenditure levels know as trigger figures to assess reasonable levels of expenditure. The CFT and the associated trigger figures are managed by Money Advice Trust. 

Full information about the tool and how to apply for a licence can be found on the Money Advice Trust website.

CFT resources

  • CFT access

    System login information, help and guidance

  • Notes for Guidance

    Guidance document explaining the information and evidence requirements to support debt solution applications

Working groups

The CFT working group comprises of representatives from around the debt advice and solutions sector and meets to discuss factors related to CFT and how it works.

The group also manage instructions around the use of this tool including the ongoing maintenance of the Notes for Guidance.

CFT Working Group Minutes 23 Feb 2023
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    Information on getting help with debt and money and where to get free debt advice

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    Information for creditors looking to find out how to go about claiming owed money

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