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    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
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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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    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

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    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

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    Renting

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    Stamp Duty calculator

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    Mortgage affordability calculator

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    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

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    Debt advice locator

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    Bill prioritiser

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    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
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    Page 3 of 10

    • Article

      Fee-free basic bank accounts

      If you have a poor credit history, you might not qualify for a standard bank account. Instead, you could apply for a basic bank account. This has the same features,...

    • Article

      ISAs and other tax-efficient ways to save or invest

      Make the most of tax-free savings and investments for you and your children or grandchildren.

    • Article

      Fixed rate savings bonds

      Fixed-rate savings bonds are interest-paying savings accounts offered by banks and building societies for a fixed amount of time. You usually get a higher interest...

    • Article

      Joint bank accounts

      A joint account lets you share money with someone you trust. You’ll both be able to manage the account, including making payments and paying bills. Here’s everything...

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      How to beat ID issues when opening a bank account

      You usually need photo ID to open a bank account, like a passport or driving licence. But you’re not alone if you don’t have the right documents – here’s what...

    • Article

      How do savings and lump sum payouts affect benefits?

      Some benefits are affected by the amount of money you have in savings, such as cash in a savings account, or investments in shares. These benefits are called...

    • Article

      Saving for your children

      Saving for a child today is a great gift for their future. Not only can they start their adult lives with some savings, but getting kids involved early with ...

    • Article

      How to make a bank transfer

      A bank transfer lets you move money from one bank account to another. It’s usually instant, free and done using mobile or online banking, over the phone or in...

    • Article

      Putting our tools and calculators on your site

      As well as our impartial guidance and information articles, many MoneyHelper tools and calculators can be put into your website or intranet for your audience...

    • Article

      Interest rates explained

      When you borrow money, the amount you pay back is dictated by the interest rate, plus any additional fees. The same goes for savings accounts where you can earn...
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