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Debt and borrowing
- Before you borrow
  Before you borrow
  Find out if you need to borrow money and whether you can afford it. Learn how to work out the true cost of borrowing.
- Taking control of debt
  Taking control of debt
  Where to get free debt advice, how to speak to the people you owe money to, and tips to help you pay back your debts in the right order.
- Mortgage and rent problems
  Mortgage and rent problems
  Help if you're struggling with your mortgage or rent payments and information on government support if you can't pay your mortgage.
- Help with loans
  Help with loans
  Learn about how personal loans work, better alternatives to payday loans, and help when borrowing from a credit union.
- Credit cards and credit ratings
  Credit cards and credit ratings
  Find out how to manage a credit card, how to check your credit report, and tips on how you can improve your credit rating.
Budgeting and managing money
- Running a bank account
  Running a bank account
  Find out how to manage a bank account, from paying money in to keeping track of interest and charges.
- Managing money
  Managing money
  See how you can make your money go further and use our Budget planner to discover how much cash you have coming in and what you're spending it on.
- Student and graduate money
  Student and graduate money
  Help with preparing your child for student life, including tips on budgeting at college or university.
- Cutting costs
  Cutting costs
  Help with trimming your energy, home phone and broadband bills, and tips on getting holidays for less.
Saving and investing
- How to save money
  How to save money
  Work out how much you can afford to save and find out how to set and reach your savings goal.
- Types of savings
  Types of savings
  Learn about savings accounts, cash ISAs, and how to save for children.
- How to invest money
  How to invest money
  Learn about investing basics, how to make an investment plan, and understanding your attitude to risk.
- Types of investment
  Types of investment
  Information about stocks and shares, investment bonds, tracker funds, with-profits and endowment policies.
Work, pensions and retirement
- Jobs and tax
  Jobs and tax
  Help with understanding your payslip and what to look for in your employment contract.
- Redundancy
  Redundancy
  Help with making a redundancy plan, benefits you can claim, and your legal rights.
- Pension basics
  Pension basics
  Find out why and when to save into a pension and how to work out what your pension pot might be.
- Types of pension
  Types of pension
  From defined contribution and benefit schemes, to personal pensions and pensions for the self-employed.
- Automatic enrolment
  Automatic enrolment
  Learn about automatic enrolment and how it affects you, and use our workplace pension advice tool and calculator.
- Retirement income basics
  Retirement income basics
  Setting a clear retirement income goal and managing your money once you’ve stopped working.
- Types of retirement income
  Types of retirement income
  Learn about the different types of annuity and other types of pension and retirement income.
Benefits
- Help with your benefits
  Help with your benefits
  Help with getting the right entitlements, where to get benefits support and advice and what to do if your payments are cut.
- Child Benefit
  Child Benefit
  Find out how Child Benefit works and how much you might be entitled to claim.
- Universal Credit
  Universal Credit
  Get ready for the new single monthly payment which has started to replace six existing benefits.
- Benefits at work
  Benefits at work
  Learn about employee benefits, salary sacrifice schemes and benefits and tax credits you can claim after job loss.
Births, deaths and family
- Divorce and separation
  Divorce and separation
  Find out how to manage your money and divide up what you own when going through divorce or separation.
- Maternity and paternity rights
  Maternity and paternity rights
  Find out how to claim maternity pay and leave from your employer and your rights when returning to work.
- Having a baby
  Having a baby
  Help with managing your money before, during and after the birth of your baby.
- When someone dies
  When someone dies
  Learn how to deal with money after a death, from paying for the funeral to looking after the paperwork and household bills.
- Making a will
  Making a will
  Learn how to make and change a will and find out about the different options available.
Insurance
- Car insurance
  Car insurance
  Choosing the right level of cover, getting the best deal, and tips for young drivers.
- Life and protection insurance
  Life and protection insurance
  Learn about the differences between life, critical illness and income protection insurance.
- Home insurance
  Home insurance
  Find out if you need buildings and contents insurance and get help with choosing the right policy and cover.
- Pet insurance
  Pet insurance
  Help with choosing the right pet insurance policy and cover.
- Help with insurance
  Help with insurance
  Understand what insurance is and how it works. Find out how to buy insurance and how to go about making a claim.
- Travel insurance
  Travel insurance
  Learn how to choose the right level of cover, get the best deal, and how to make a travel insurance claim.
Homes and mortgages
- Buying a home
  Buying a home
  Work out your overall buying and moving costs, first time buyer advice, and tips and tools to help you work out what you can afford.
- Renting and letting
  Renting and letting
  Advice to help you work out how much rent you can afford, and how to budget and share costs when renting.
- Types of mortgage
  Types of mortgage
  Learn about different kinds of mortgages, from repayment and interest-only to shared equity and buy-to-let.
- Help with mortgages
  Help with mortgages
  Get started with our beginner's guide to mortgages, getting the right deal, and tips if you're struggling to pay.
Care and disability
- Support for carers
  Support for carers
  Find out about support available to carers and how to manage the money of someone you're caring for.
- Illness and disability
  Illness and disability
  Advice about Personal Independence Payment, disability grants, aids and equipment.
- Care advice and help
  Care advice and help
  Help with choosing the right care services, setting up a power of attorney, and dealing with problems.
- Paying for care
  Paying for care
  Learn about NHS and self-funding options, managing direct payments, and other ways to pay for your care.
Cars and travel
- Travel money and sending money abroad
  Travel money and sending money abroad
  Buying foreign currency, cheap cards to use abroad, and choosing the best way to send money overseas.
- Running a car
  Running a car
  Your rights if something’s wrong with your new car, cutting car finance costs, top MOT tips, advice for younger drivers, plus could you manage without a car?
- How to buy a car
  How to buy a car
  What to consider before buying a new or used car, including your budget, car finance options, and how to negotiate the best deal.
- How to sell a car
  How to sell a car
  Find out about the different ways to sell a car, how to negotiate a good price, and your options for disposing of an old car.

Workplace pension contribution calculator

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You can download the tool and use offline. It is available in excel or open office free software. For more information about open office visit their website.

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