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  • Benefits
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  • 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

    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

    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

    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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About us

Cookie policy

What’s in this guide

  • What are cookies?
  • What type of cookies do we use?
  • How can I control my cookies?

What are cookies?

Cookies are small files saved on your phone, tablet or computer when you visit a website. 

We use three types of cookies to make this site work and collect information about how you use the service to help us improve it. 

Cookies are not used to identify you personally. 

MoneyHelper is intended for UK-based users so for cookies we follow UK law, including the Data (Use and Access) Bill 2025. 

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What type of cookies do we use?

Strictly necessary cookies (Essential)

Essential cookies are needed to make the service work and to keep your information secure, we do not need to ask permission for essential cookies. If you do not want us to use them, you can turn off cookies in your web browser, but the service may not work properly. 

We will not set any essential cookies until you start using the service.

Essential cookies we use
Name Purpose Expires

_session_id

Microsoft Forms use it to maintain session context for users when not logged in.

Session

ASP.NET_SessionId

Used to manage user sessions on a website built with ASP.NET technology, and maintaining a consistent and secure browsing experience.

Session

dfqtmhApplicationGatewayAffinityCORS

Used by the Windows Azure Application Gateway in addition to ApplicationGatewayAffinity to maintain sticky session even on cross-origin requests.

Session

dfqtmhApplicationGatewayAffinity

Specifically used for maintaining user sessions in a load-balanced environment, improving performance and user experience.

Session

ARRAffinitySameSite

Used by websites hosted on Microsoft Azure to ensure user requests are routed to the same server within a session.

Session

CookieControl

Civic UK - Consent management.

1 year

__cf_bm

Cloudflare's bot products identify and mitigate automated traffic to protect your site from bad bots. Cloudflare places the __cf_bm cookie on End User devices that access Customer sites that are protected by Bot Management or Bot Fight Mode. The __cf_bm cookie is necessary for the proper functioning of these bot solutions.

30 minutes

__cfduid

The '__cfduid' cookie is set by the CloudFlare service to identify trusted web traffic. It does not correspond to any user id in the web application, nor does the cookie store any personally identifiable data.

5 years

__cflb

When enabling session affinity with Cloudflare Load

Balancer, Cloudflare sets a __cflb cookie with a unique value on the first response to the requesting client. Cloudflare routes future requests to the same origin, optimizing network resource usage. In the event of a failover, Cloudflare sets a new __cflb cookie to direct future requests to the failover pool.

30 minutes

__cfruid

Used by the content network, Cloudflare, to identify trusted web traffic.

Session

_cfuvid

The _cfuvid cookie is only set when a site uses this

option in a Rate Limiting Rule and is only used to allow the Cloudflare WAF to distinguish individual users who share the same IP address.

Session

cf_chl_2

Used by Cloudflare for the execution of JavaScript or

Captcha challenges. These cookies are not used for

tracking or beyond the scope of the challenge.

Session

cf_clearance

Whether a CAPTCHA or JavaScript challenge has been solved.

1 year

JSESSIONIDCORS

Helps identify a user's session and associate it with the server's session data.

Session

JSESSIONID

Tracks session in cross-origin requests in Java-based apps.

Session

5ca76fe8-dedb-4acd-89ea-7f6c1a4608e1:www.moneyhelper.org.uk

It is used by WhosOn web chat for persistent personalisation across sessions.

8 hours

f9681567-c2fa-4f5dbb56-0e945eab3e19:www.moneyhelper.org.uk

It is used by WhosOn web chat for persistent personalisation across sessions.

8 hours

FormsWebSessionId

Microsoft Forms use it to maintain session context for users when not logged in.

hide

msal.cache.encryption

This cookie is dropped for sites where the Content Delivery Network is enabled. This cookie helps the CDN to identify if a page needs to be served from CDN cache or from web server. 

Session

_pension_guidance

Tracks when a customer rebooks an appointment after using the self-serve cancellation for Pension Wise appointments.

Session

_rad-consumer_session

Temporarily stores customer's chosen filters for the adviser search form.

Session

_ifa-directory_session

Maintains login for firm's principals during their signup and self-serve process.

Session

next-i18next

Temporarily stores customer's chosen locale.

1 year

saveBack

This cookie enables the 'Save and come back later' functionality within the Pension Wise digital appointment booking tool. It is used to store the path to the previous (save-and-return) page for future reference and the path/link for the back button.

Session

_iz_sd_ss_

It is used by Informizely to track whether a survey has already been shown during a session and to ensure better user experience by avoiding repeated prompts in the same session.

Session

_iz_uh_ps_

It is used by Informizely to track visitor history and engagement across visits, to ensure surveys are not shown repeatedly (throttling) and to help targeting surveys to new vs. returning users.

1-2 years

__RequestVerificationToken

Used by Microsoft Forms to prevent Cross-Site Request Forgery (CSRF) attacks by ensuring that the form request comes from the same origin.

Session

Dynamics365PortalAnalytics

Critical service cookie to analyse service usage anonymously and aggregated for statistical purpose. 

3 months

Cookies that measure website use (Analytics)

We use analytics cookies to collect anonymised information about how you use MoneyHelper, for example, what pages you visit and what you click on. This helps us understand how we can improve the service. 

We do not allow anyone else to use or share this data.

Microsoft Clarity
Name Purpose Expires

CLID

Identifies when a user first visited a site using Microsoft Clarity.

1 year

SM

Microsoft Clarity session tracking.

Session

_clck

Microsoft Clarity - User behaviour tracking.

1 year

_clsk

Links together the different pages you visit during one visit, so your activity can be viewed as a single session to better understand how people use the site.  

Connects multiple page views by a user into a single Clarity session recording.

24 hours

ANONCHK

Indicates whether the MUID is transferred to other Microsoft domains for advertising, site analytics, and other operational purposes.

10 minutes

Adobe Experience Cloud
Name Purpose Expires

s_cc

Adobe Systems - Session tracking.

Session

AMCVS_*

Used by Adobe Marketing Cloud to indicate that a session is in progress.

Session

AMCV_*

Used by Adobe Marketing Cloud to store a unique visitor.

1 year

at_check

Adobe Systems - Session validation.

Session

demdex

Assigns a unique ID for audience segmentation across Adobe Experience Cloud services.

6 months

mbox

Adobe Systems - Personalisation and optimisation.

1 year

dpm

Handles ID syncing between Adobe systems.

6 months

Google Analytics
Name Purpose Expires

AMP_TOKEN

This cookie is associated with Google Analytics. It includes a token that can be used to retrieve a client ID from the AMP Client IDs service.

60 minutes

_ga_*

Used by Google Analytics to identify and track an individual session with a user device.

1 year

_ga

Unique user identifier.

1 year

_dc_gtm_*

Used by Google Tag Manager to load scripts related to Google Analytics.

58 seconds

_gat_*

Used by Google to limit collection of data on high traffic sites.

58 seconds

_gid

Unique session identifier.

24 hours

Glassbox
Name Purpose Expires

_cls_cfgver

Tracks the version of Glassbox’s configuration so the system updates settings when they change.

Session

_cls_v

Identifies a user across multiple sessions with a random Glassbox ID (not personal data).

3 years

_cls_s

Holds the session ID for recordings and sometimes marks if a visitor is new or returning.

Session

rto

Identifies the server cluster where session data is stored, keeping all data together.

Session

_cls_e

Stores a special session ID ensuring data maps to the right session.

Session

Bc

Helps track session recording and performance.

Session

We’ve recently updated our approach to cookies to improve your experience on our website. In line with the Data (Use and Access) Act 2025, we won’t ask you to accept analytics cookies which help us improve our services. You can still reject these cookies using the ‘Cookie preferences’ link in the footer of this site.

Cookies that help with our communications and marketing

We use marketing cookies to advertise relevant products and services to you online, based on what you do when you’re on our website.

These cookies may be set by third party websites. 

Adalyser
Name Purpose Expires

__adal_ses

Keeps track of your activity on our site during a single visit (session) so we can understand how people interact with our pages.

30 minutes

__adal_id

Stores an anonymous identifier so Adform can recognise your browser during a visit and on future visits for advertising and analytics purposes.

1 year

__adal_ca

Records information about the advertising campaign that brought you to our website. This helps us measure which ads are most effective.

6 months

__adal_cw

Tracks which ads you’ve already seen so we don’t show you the same one too many times.

7 days

Bing
Name Purpose Expires

MUID

Microsoft user identifier for Clarity analytics.

1 year

MR

Tracks sessions and links Clarity data to Microsoft services.

7 days

SRM_B

Bing Ads retargeting and measurement.

1 year

_uetsid

Microsoft - User tracking.

24 hours

_uetvid

Microsoft - User tracking and analytics.

1 year

DoubleClick
Name Purpose Expires

IDE

Used for targeted advertising and measuring ad campaign effectiveness. It helps tailor ads to your interests based on your browsing activity across different websites. This cookie doesn't identify you personally but rather builds an anonymous profile of your browsing behaviour to show you more relevant ad.

1 year

test_cookie

Tests if the browser accepts cookies for ad targeting.

15 minutes

Google AdSense
Name Purpose Expires

_gcl_au

Google - Ad conversion tracking.

3 months

LinkedIn
Name Purpose Expires

bcookie

Browser ID for LinkedIn tracking.

1 year

li_gc

Stores consent for cookies on LinkedIn.

6 months

lidc

Tracks data centre selection for load balancing.

24 hours

Meta
Name Purpose Expires

_fbp

Meta Platforms, Inc. - Advertising and tracking.

3 months

X
Name Purpose Expires

personalization_id

Identifies users for personalized Twitter content and ads.

1 year

muc_ads

Tracks engagement with Twitter ads.

1 year

YouTube
Name Purpose Expires

YSC

This cookie is set by YouTube video service on pages with YouTube embedded videos to track views.

Session

VISITOR_INFO1_LIVE

It estimates bandwidth to determine whether the user receives the newer or older version of the YouTube player and tracks user interactions with embedded YouTube videos.

6 months

__Secure-ROLLOUT_TOKEN

Used by YouTube to manage the phased rollout of new features and updates. This cookie helps assign users to specific test groups for experimental features, such as changes to the user interface or video player. The __Secure- prefix indicates that the cookie is only transmitted over a secure HTTPS connection, enhancing data security.

6 months

__Secure-YNID

Used to detect and resolve problems with the service.

6 months

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How can I control my cookies?

You can change your cookie preferences at any time using the ‘Cookie preferencesOpens in a new window’ link in the footer of this site.  Alternatively, most web browsers allow some control of most cookies through the browser settings. 

There is more information on how to manage cookies Opens in a new window on the Information Commissioner's Office website.

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  • Subject access requests
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website

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  • Terms and conditions
  • Privacy notice
  • How we use cookies
  • Subject access requests
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For the quickest reply, use our webchat or telephone helpline. We’re open between 9am and 5pm, Monday to Friday.
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Talk to us live for pensions guidance using the telephone
  • From overseas: +44 20 7932 5780
Hours
  • Mon – Fri:9.00am to 5.00pm
  • Sat, Sun and bank holidays:Closed

Calls from the UK 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:8.00am to 6.00pm
  • Sat, Sun and bank holidays:Closed

Calls from the UK 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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If you’ve got a serious medical condition or disability and need travel insurance.
Use our travel insurance directory to get a list of specialist providers you can contact directly, as we can't give you quotes.

Need further help? If you’ve used the directory or you need further help to find an insurer, the British Insurance Brokers’ Association can link you with a broker. Call: 0370 950 1790

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Call us for help dealing with debt.
If you’ve missed payments and are struggling with debt, call us and press 1 to speak to one of our debt advice partners. Hours
  • Mon - Fri: 9.00am - 5.00pm
  • Sat Sun and bank holidays: Closed

Calls from the UK 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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Call us if you’re worried about fraud or scams and need expert guidance.
Our specialists are here to support you over the phone. Hours
  • Mon - Fri 9.00am - 5.00pm
  • Sat-Sun and Bank Holidays Closed

Calls from the UK 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 webchat
Hours
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  • Sat, Sun and bank holidays:Closed
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Talk to us live for money guidance using webchat
Hours
  • Mon – Fri:8.00am to 6.00pm
  • Sat, Sun and bank holidays:Closed
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Talk to us for pensions guidance using our web form

We’ll respond as soon as we can, but this can take over five working days. For a quicker reply, use our webchat between 9am and 5pm, Monday to Friday.

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