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    Find out how Universal Credit works and how to manage your payment
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    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
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    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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    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
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    Credit cards, bank accounts, student debts
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    Difficult conversations, talking to teenagers, older people and partners
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    All Family & care guidance
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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
  • Buying a home

    Mortgages, help buying, remortgaging, first-time buyers, help and support

    Renting

    Renting a home to live in, renting out a home, and overcoming problems

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    All Homes guidance
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    Stamp Duty calculator

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    Mortgage affordability calculator

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    Mortgage 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
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    All Money troubles guidance
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    Tool

    Debt advice locator

    Calculator

    Benefits calculator

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    Bill prioritiser

    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
  • Auto enrolment

    Introduction, how it works, all about contributions
    Building your retirement pot

    How much do you need, ways to build your pot, transferring and merging
    Pension basics

    Starting a pension, types of pension, understanding pensions
    Pension problems

    Complaints, financial help when retired, changes to schemes
    State Pension

    How it works, what you might get, National Insurance

    Taking your pension

    Ways to draw your pension, when can you retire, Pension Wise appointments

    Tax and pensions

    Tax allowances, tax paid on pensions, tax relief
    Pensions and retirement

    All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.
  • 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

    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

    Tool

    Money Navigator

    Tool

    Money Manager

    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

    Money Midlife MOT
    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 & care All Family & 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
  • Buying a home Mortgages, help buying, remortgaging, first-time buyers, help and support
    Renting Renting a home to live in, renting out a home, and overcoming problems
    Homes All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage 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
    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
  • Auto enrolment Introduction, how it works, all about contributions
    Building your retirement pot How much do you need, ways to build your pot, transferring and merging
    Pension basics Starting a pension, types of pension, understanding pensions
    Pension problems Complaints, financial help when retired, changes to schemes
    State Pension How it works, what you might get, National Insurance
    Taking your pension Ways to draw your pension, when can you retire, Pension Wise appointments
    Tax and pensions Tax allowances, tax paid on pensions, tax relief
    Pensions and retirement All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser
    ALL TOOLS
    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.
  • 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
    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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Talk to us live for pensions guidance using…
Our pensions webchat and telephone helpline will be closed on Tuesday 28 March for staff training. We will re-open on Wednesday 29.
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Talk to us live for pensions guidance using the telephone
Over 50 and want to know your pension options? Our call centre is closed right now, but you can explore your options with our simple online tool
  • From overseas: +44 20 7932 5780
  • For self-employed: 0345 602 7021*
Hours
  • Mon – Fri:9am–5pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls 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.

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Talk to us live for money guidance using the telephone
  • Welsh: 0800 138 0555*
  • Typetalk: 18001 0800 915 4622*
  • From overseas: +44 20 3553 2279
Hours
  • Mon – Fri:8am–6pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls 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.

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Talk to us live for pensions guidance using web chat
Hours
  • Mon-Fri8am-6pm
  • Sat8am - 3pm
  • Sun and bank holidaysClosed
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Hours
  • Mon, Wed, Fri8.20am - 6.20pm
  • Tues, Thurs9am - 6.20pm
  • Sat, Sun and bank holidaysClosed
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For help sorting out your debts, credit questions or pensions guidance. For everything else please contact us via Webchat or Telephone.

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