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    Take your pension

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    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.
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    Pensions issues? Join our community group

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  • 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
    Make the most of your pension Understand your pension options and work out your retirement income and costs

    ALL PENSIONS AND RETIREMENT

    Tools

    Appointment

    Get a free Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Get retirement guidance

    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 5 of 10

    • Article

      How tax works on pension income

      Your pension is usually counted as part of your earnings, so you’ll pay tax on any income above your tax-free allowances. Here’s all you need to know, including...

    • Article

      How to make and register a power of attorney

      A power of attorney lets someone you trust make decisions for you formally if you can’t. Whether it’s because of sickness, an accident or something else, having...

    • Article

      Dealing with an endowment shortfall

      If you took out an endowment policy as a way to repay your interest-only mortgage, it’s important to check whether it’s on-track to cover your final mortgage...

    • Topic

      Retirement advice

      When and how you choose to take your pension can make a huge difference in how far your retirement savings will go. This is why it’s so important to get professional...

    • Article

      How to transfer out of a defined benefit pension

      If you have a defined benefit pension, you’re usually better off leaving it where it is – even if your employer has offered you an incentive to move it to a ...

    • Video

      Video: Reporting a death using the ‘Tell Us Once’ service

    • Blog post

      Reasons your tax code has changed and what to do

      Find out what to do if you’ve had a message from HMRC or your employer about your tax code, or you’ve noticed your take‑home pay has suddenly changed. This blog...

    • Article

      How to fill in a Self Assessment tax return

      A Self Assessment tax return can look daunting. But if you’re prepared, organised and understand what you’re being asked for, it’s a lot simpler than it looks....

    • Article

      How to plan for retirement: Retirement planning checklist

      Planning for retirement many years before you aim to stop working gives you time to boost your income if you need to. Our checklist explains...

    • Article

      How to choose a financial adviser

      A financial adviser can recommend products and services that will help meet your financial needs and goals. Find out how to choose a regulated adviser that’s...
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