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MoneyHelper Retirement Budget Planner
Bedford, United Kingdom
What it is
MoneyHelper Retirement Budget Planner is a free web tool for estimating retirement costs and the income that may be needed. Its budgeting function totals income and outgoings, shows what remains, and breaks spending into categories so users can look for possible savings or cost cuts. Costs can be entered by year, with the planner converting them into monthly averages. MoneyHelper suggests having payslips, bank statements, bills, or a banking app available when working out figures. Budgeting support is available through webchat, and the site links to budgeting guides. The planner is owned and maintained by the Money and Pensions Service, headquartered in Bedford, United Kingdom. That service describes its tools as general information, not advice to rely on, and says it is not regulated by the Financial Conduct Authority or providing a regulated service. Its accessibility statement notes expandable-menu and tab-panel structure issues.
For and against
For
- Free online retirement budgeting tool
- Totals income and outgoings
- Converts yearly costs to monthly averages
- Offers webchat and budgeting guides
- Breaks spending down for savings checks
Against
- Provides general information, not regulated advice
- Accessibility issues affect menus and tab panels
- Web-only platform
The verdict
This planner provides a focused way to estimate retirement costs and examine monthly spending. It is useful for general budgeting, but its guidance is not regulated financial advice and its accessibility statement lists interface issues.
Who it suits
It suits people who want a free browser-based way to outline retirement spending and required income. Users seeking regulated financial advice should note the provider’s stated limits.
Plans and prices
Free
Free online tool
Read 10 Oct 2026 · moneyhelper.org.uk
On the record
- Accessibility
- The MoneyHelper accessibility statement identifies issues for the Retirement budget planner, including menu buttons not being programmatically defined as expandable and incorrectly structured tab panels.moneypensions-prod.adobecqms.net · read 10 Oct 2026
- Budgeting
- MoneyHelper’s Budget planner adds up income and outgoings and shows what is left over.moneyhelper.org.uk · read 10 Oct 2026
- Guidance limits
- The Money and Pensions Service says its website tools provide general information and are not advice to rely on.moneyhelper.org.uk · read 10 Oct 2026
- Inputs
- MoneyHelper suggests having payslips, bank statements, bills or a banking app available to work out income and spending.moneyhelper.org.uk · read 10 Oct 2026
- Provider
- MoneyHelper is owned and maintained by the Money and Pensions Service, whose registered office is in Bedford, England.moneyhelper.org.uk · read 10 Oct 2026
- Purpose
- The planner helps people estimate likely retirement costs and the income they may need.moneyhelper.org.uk · read 10 Oct 2026
- Regulatory status
- The Money and Pensions Service says it is not regulated by the Financial Conduct Authority and does not provide a regulated service.moneyhelper.org.uk · read 10 Oct 2026
- Spending breakdown
- The Budget planner breaks down spending to help users identify potential savings and cost cuts.moneyhelper.org.uk · read 10 Oct 2026
- Support
- MoneyHelper offers budget help through webchat and links to budgeting guides.moneyhelper.org.uk · read 10 Oct 2026
- Variable costs
- Users can enter costs by year, and the tool converts them to a monthly average.moneyhelper.org.uk · read 10 Oct 2026
