MoneyHelper — free government‑backed financial guidance

MoneyHelper provides free, impartial money guidance on budgeting, pensions, mortgages, debt, and savings; it combines services from the Money Advice Service, Pensions Advisory Service and Pension Wise. The guidance is available online, by phone and by webchat to UK residents regardless of age or income, including calculators and step‑by‑step tools to plan finances. Access is free and independent, intended to help anyone make informed financial decisions.