Money Midlife MOT

The Money Midlife MOT is a tool to help you assess your current financial situation and plan for the future. Your personalised report will tell you what to prioritise and link to guidance on how to improve your financial wellbeing from midlife through to retirement.

You can use this tool to:

  • identify actions to improve your finances, according to your priorities
  • help you plan for the future and make sure you stay on track to achieve your goals.

This tool works best for people:

  • between the ages of 45 and 65
  • living and planning to retire in the UK.

We will ask a series of questions about your finances.

You won’t need any documents or extra information to use the tool. It should take about 5 minutes to complete.

The information you provide will be kept completely anonymous, but you can download your results.

Before you start

If you’re dealing with debt, get help as soon as possible. You can find free debt advice using our Debt advice locator.

If you’re under 45, the following resources may be better suited to help you get your finances on track:

If you’re over 65, we recommend reading our pages on pensions and retirement.

If you're worried you might have to retire sooner than expected due to a serious health condition, we suggest prioritising your retirement planning. See Ill-health retirement: early medical retirement.

If you’re struggling with your mental health, please check out Money problems and mental wellbeing.

Talk to us live for…
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Talk to us live for pensions guidance using…
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Hours
  • Mon – Fri:9.00am – 5.00pm
  • Sat, Sun and bank holidays:Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for money guidance using the telephone.
Hours
  • Mon – Fri:8.00am – 6.00pm
  • Sat, Sun and bank holidays:Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Use our travel insurance directory to get a list of specialist providers you can contact directly, as we can't give you quotes.

Need further help? If you’ve used the directory or you need further help to find an insurer, the British Insurance Brokers’ Association can link you with a broker. Call: 0370 950 1790

If you’ve missed payments and are struggling with debt, call us and press 1 to speak to one of our debt advice partners. Hours
  • Mon - Fri: 9.00am - 5.00pm
  • Sat Sun and bank holidays: Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Our specialists are here to support you over the phone. Hours
  • Mon - Fri 9.00am - 5.00pm
  • Sat-Sun and Bank Holidays Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for pensions guidance using web chat
Hours
  • Mon – Fri:9.00am – 5.00pm
  • Sat, Sun and bank holidays:Closed
Talk to us live for money guidance using webchat
Hours
  • Mon – Fri:8.00am – 6.00pm
  • Sat, Sun and bank holidays:Closed
Talk to us for pensions guidance using our web form

We aim to respond within 5 working days

Talk to us for money guidance using our web form

We aim to respond within 2 working days

Talk to us live for money guidance using WhatsApp

Download app: WhatsApp

For help sorting out your debt or credit questions. For everything else please contact us via Webchat or telephone.