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MoneyHelper Retirement Budget Planner

retirement-budget-planner.moneyhelper.org.uk

Free plan Web
Visit retirement-budget-planner.moneyhelper.org.uk
Spec score 7.4 #20 of 26 in Retirement Planning Software

What it is

MoneyHelper Retirement Budget Planner is a free web tool for estimating likely retirement costs and the income a person may need. Its Budget planner totals income and outgoings, shows what remains, and breaks spending into categories to help identify potential savings or cost cuts. Users can enter costs by year, and the tool converts those figures into a monthly average. MoneyHelper suggests having payslips, bank statements, bills, or a banking app available when working out income and spending. Budgeting help is available through webchat, with links to budgeting guides. The planner is provided by MoneyHelper, owned and maintained by the Money and Pensions Service, whose registered office is in Bedford, England. The service describes its website tools as general information rather than advice to rely on. It also says it is not regulated by the Financial Conduct Authority and does not provide a regulated service. Its accessibility statement identifies menu buttons that are not programmatically expandable and incorrectly structured tab panels.

Spec sheet

Purpose
The planner helps people estimate likely retirement costs and the income they may need.Read 10 Oct 2026 · moneyhelper.org.uk
Support
MoneyHelper offers budget help through webchat and links to budgeting guides.Read 10 Oct 2026 · moneyhelper.org.uk
Headquarters
Bedford, United KingdomRead 28 Sep 2026 · retirement-budget-planner.moneyhelper.org.uk
Founded
2018Read 28 Sep 2026 · retirement-budget-planner.moneyhelper.org.uk
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.Read 10 Oct 2026 · moneypensions-prod.adobecqms.net
Budgeting
MoneyHelper’s Budget planner adds up income and outgoings and shows what is left over.Read 10 Oct 2026 · moneyhelper.org.uk
Guidance limits
The Money and Pensions Service says its website tools provide general information and are not advice to rely on.Read 10 Oct 2026 · moneyhelper.org.uk
Inputs
MoneyHelper suggests having payslips, bank statements, bills or a banking app available to work out income and spending.Read 10 Oct 2026 · moneyhelper.org.uk
Provider
MoneyHelper is owned and maintained by the Money and Pensions Service, whose registered office is in Bedford, England.Read 10 Oct 2026 · moneyhelper.org.uk
Regulatory status
The Money and Pensions Service says it is not regulated by the Financial Conduct Authority and does not provide a regulated service.Read 10 Oct 2026 · moneyhelper.org.uk
Spending breakdown
The Budget planner breaks down spending to help users identify potential savings and cost cuts.Read 10 Oct 2026 · moneyhelper.org.uk
Variable costs
Users can enter costs by year, and the tool converts them to a monthly average.Read 10 Oct 2026 · moneyhelper.org.uk

Plans and prices

Free Free Free online tool Read 10 Oct 2026 · moneyhelper.org.uk

Every MoneyHelper Retirement Budget Planner plan and price →

Strong points and limits

Strong points

  • Free online retirement budgeting tool
  • Totals income and outgoings
  • Converts annual costs to monthly averages
  • Breaks spending into categories
  • Offers webchat budgeting help

Limits

  • Provides general information, not advice to rely on
  • Not a Financial Conduct Authority-regulated service
  • Accessibility statement identifies expandable-menu issues
  • Tab panels are incorrectly structured

Who it suits

It suits people estimating retirement spending and the income they may need using a browser. Users wanting help can use webchat and linked budgeting guides.

Verdict

The planner gives a structured way to map income, spending, and possible retirement costs without a listed charge. Its provider clearly limits the tool to general information and identifies accessibility issues users may encounter.

Where Specifiction places it

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