Cymraeg

Benefits
Everyday money
Family & care
Homes
Money troubles
Pensions & retirement
Savings
Work

Universal Credit
Find out how Universal Credit works and how to manage your payment

Benefits if you have children
Entitlements to help with the cost of pregnancy or bringing up children

Benefits if you’re sick, disabled or a carer
Understand what support is available for coping with ill health

Benefits in later life
You may be entitled for help with other costs on top of your State Pension

Benefits and work
Extra support if you’re working, self-employed, or you’ve lost your job

Benefits to help with housing costs
Support to help with rent or mortgage payments if you’re on a low income

Problems with benefits
What to do if something goes wrong with your benefits

Benefits
All Benefits guidance

Tools

Calculator

Benefits calculator

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Banking and payments
How to choose, use and manage bank accounts

Budgeting
How to budget, find the best deals and switch to save money

Buying and running a car
How to buy and finance a car, deal with problems with car finance, and cut running costs

Credit
Credit basics, applying for credit, credit ratings and problems with credit

Insurance
Insurance for cars, health, travel, and help with insurance

Everyday money
All Everyday money guidance

Tools

Tool

Petrol price finder

Tool

Budget Planner

Tool

Your options for borrowing money

Tool

What to do when you’ve been refused credit

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Becoming a parent
Having a baby, returning to work, childcare costs

Death and bereavement
Wills, inheritance, sorting out estates

Divorce and separation
Sorting out money and homes, what if you have children, money after break ups

Illness and disability
Managing costs, extra financial support, help with work or study

Long-term care
Paying and getting funding, ways to pay, problems with care

Student and graduate money
Credit cards, bank accounts, student debts

Talk money
Difficult conversations, talking to teenagers, older people and partners

Family and care
All Family and care guidance

Tools

Calculator

Divorce calculator

Calculator

Baby costs calculator

Tool

Budget Planner

Calculator

Benefits calculator

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Mortgages and homebuying
Mortgages, help buying, remortgaging, first-time buyers, help and support

Renting
Help renting a home and dealing with problems

Homes
All Homes guidance

Tools

Calculator

Stamp Duty calculator

Calculator

Mortgage affordability calculator

Calculator

Mortgage repayment calculator

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Help with the cost of living
Budgeting, paying bills, finding extra financial support, coping with job loss

Dealing with debt
Bills, court fines, help with debts

Money problems and complaints
What to do about mis-selling, compensation and complaints

Scams
Spotting scams and what to do if you’re caught out

Money troubles
All Money troubles guidance

Tools

Tool

Debt advice locator

Calculator

Benefits calculator

Tool

Bill prioritiser

Tool

What to do when you’ve been refused credit

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Manage and grow your pension
How much to save for retirement and ways to boost your pension

Pensions explained
How to start a pension, how pensions work and the benefits

Pension problems and changes
How to find lost pensions, sort out problems and complain

Pension transfers and consolidation
How to transfer or combine pensions, and if it’s a good idea

State Pension
How much State Pension you might get and ways to boost it

Take your pension
How and when to take your pension – your options explained

Tax and pensions
How tax relief, tax-free allowances and tax on income works

Pensions and retirement
All guidance, including how to use the Pension Wise service

Tools

Appointment

Get a free Pension Wise appointment

Calculator

Pension calculator

Tool

Money Midlife MOT

Tool

Find out your pension type

ALL TOOLS

Get a free Pension Wise appointment

Find out how you can take money from a defined contribution pension. Pension Wise is free, impartial and backed by government.
How to save
Getting started, getting the most out of savings, problems

Investing
How to invest, types of investing, buying and managing

Types of savings
Help with meeting goals, tax-friendly saving, saving for children

Savings
All Savings guidance

Tools

Calculator

Savings calculator

Tool

Budget Planner

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Employment
Basics, benefits, tax and National Insurance

Losing your job
What to do, alternatives, redundancy pay

Self-employment
Starting out, insurance, tax, self-assessment

Work
All Work guidance

Tools

Tool

Budget Planner

Calculator

Redundancy pay calculator

Calculator

Salary calculator

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

Benefits
Everyday money
Family & care
Homes
Money troubles
Pensions & retirement
Savings
Work

Universal Credit Find out how Universal Credit works and how to manage your payment

Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children

Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health

Benefits in later life You may be entitled for help with other costs on top of your State Pension

Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job

Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income

Problems with benefits What to do if something goes wrong with your benefits

Benefits All Benefits guidance

Tools

Calculator

Benefits calculator

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Banking and payments How to choose, use and manage bank accounts

Budgeting How to budget, find the best deals and switch to save money

Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs

Credit Credit basics, applying for credit, credit ratings and problems with credit

Insurance Insurance for cars, health, travel, and help with insurance

Everyday money All Everyday money guidance

Tools

Tool

Petrol price finder

Tool

Budget Planner

Tool

Your options for borrowing money

Tool

What to do when you’ve been refused credit

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Becoming a parent Having a baby, returning to work, childcare costs

Death and bereavement Wills, inheritance, sorting out estates

Divorce and separation Sorting out money and homes, what if you have children, money after break ups

Illness and disability Managing costs, extra financial support, help with work or study

Long-term care Paying and getting funding, ways to pay, problems with care

Student and graduate money Credit cards, bank accounts, student debts

Talk money Difficult conversations, talking to teenagers, older people and partners

Family and care All Family and care guidance

Tools

Calculator

Divorce calculator

Calculator

Baby costs calculator

Tool

Budget Planner

Calculator

Benefits calculator

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Mortgages and homebuying Mortgages, help buying, remortgaging, first-time buyers, help and support

Renting Help renting a home and dealing with problems

Homes All Homes guidance

Tools

Calculator

Stamp Duty calculator

Calculator

Mortgage affordability calculator

Calculator

Mortgage repayment calculator

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss

Dealing with debt Bills, court fines, help with debts

Money problems and complaints What to do about mis-selling, compensation and complaints

Scams Spotting scams and what to do if you’re caught out

Money troubles All Money troubles guidance

Tools

Tool

Debt advice locator

Calculator

Benefits calculator

Tool

Bill prioritiser

Tool

What to do when you’ve been refused credit

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Manage and grow your pension How much to save for retirement and ways to boost your pension

Pensions explained How to start a pension, how pensions work and the benefits

Pension problems and changes How to find lost pensions, sort out problems and complain

Pension transfers and consolidation How to transfer or combine pensions, and if it’s a good idea

State Pension How much State Pension you might get and ways to boost it

Take your pension How and when to take your pension – your options explained

Tax and pensions How tax relief, tax-free allowances and tax on income works

Pensions and retirement All guidance, including how to use the Pension Wise service

Tools

Appointment

Get a free Pension Wise appointment

Calculator

Pension calculator

Tool

Money Midlife MOT

Tool

Find out your pension type

ALL TOOLS

Get a free Pension Wise appointment

Find out how you can take money from a defined contribution pension. Pension Wise is free, impartial and backed by government.
How to save Getting started, getting the most out of savings, problems

Investing How to invest, types of investing, buying and managing

Types of savings Help with meeting goals, tax-friendly saving, saving for children

Savings All Savings guidance

Tools

Calculator

Savings calculator

Tool

Budget Planner

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Employment Basics, benefits, tax and National Insurance

Losing your job What to do, alternatives, redundancy pay

Self-employment Starting out, insurance, tax, self-assessment

Work All Work guidance

Tools

Tool

Budget Planner

Calculator

Redundancy pay calculator

Calculator

Salary calculator

ALL TOOLS

Pensions issues? Join our community group

Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

Home

Cymraeg

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Get in touch

However you decide to get in touch, we’re here to help – and you’ll always talk to a real person.

Phone

Mon – Fri 8am to 6pm. Closed bank holidays.

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Calls from the UK are free. Calls may be recorded or monitored for training and to improve our services.

Welsh language line: 0800 756 1012

Outside the UK: +44 (0)20 7932 5780

Web chat

Mon – Fri 8am to 6pm. Closed bank holidays.

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Email

We aim to respond within 2 working days. Closed bank holidays.

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Coming soon: WhatsApp is currently unavailable due to essential maintenance. Please contact us via webchat or telephone.

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This confidential service lets you type directly to one of our specialists using a textphone or app.

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Request an interpreter

If English is your second language, you can ask for an interpreter. Simply tell us which language you need.

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If you have a complaint, compliment or suggestion for improvement, Give us feedback.

Find out more in our guide How to complain about our service.

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