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  • 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

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    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
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    Budgeting

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

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    Baby costs calculator

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    Budget Planner

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    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

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    Stamp Duty calculator

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    Mortgage affordability calculator

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    Mortgage repayment calculator

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    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

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    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

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    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
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    Savings calculator

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    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
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    Redundancy pay calculator

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    Salary calculator

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    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

    Compare bank accounts

    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
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    Page 2 of 20

    • Article

      How to take your pension: a step-by-step guide

      It’s a good idea to plan how you’ll take your pension many years before you retire. This gives you time to understand your options, decide when you might be ...

    • Article

      Financial adviser fees

      Paying for regulated financial advice can save you time and money in the long run and help you meet your needs and goals. Find out how much financial advisers...

    • Article

      Should I transfer or combine my pensions?

      Transferring your pension might mean you get lower fees, different withdrawal options and let you bring your different schemes together. But you risk losing ...

    • Article

      Free printed guides

      Our printed guides cover many different money and pension topics, including Universal Credit, mortgages, bank accounts, power of attorney and ways to take your...

    • Article

      How to combine your defined benefit pensions

      If you have multiple defined benefit pension schemes, you could consider combining them. Here’s what you need to know about consolidation, including how to check...

    • Article

      How are pensions protected?

      Many different organisations help to protect your pension, such as The Pensions Regulator and The Pensions Ombudsman. Here’s what you need to know, including...

    • Article

      How to complain about a problem with your pension

      If you have a problem with your pension, including the State Pension or acting on bad advice from a financial adviser, you can complain. Here’s what you need...

    • Article

      Defined benefit pension schemes: final salary and career average explained

      A defined benefit pension is a type of workplace pension scheme. The money you get when you retire is based on your salary and the number of years you’ve been...

    • Topic

      Pension transfers and consolidation

      Our guides can help you decide if transferring or consolidating your pensions is right for you, including how to find pension advice. We explain: 

      • how...

    • Article

      Defined contribution pension schemes explained

      With a defined contribution pension, you build up a pot of money you can use to give you an income in retirement. Here’s what you need to know.
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