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MoneyHelper Retirement Budget Planner

Free#26 of 26 in Retirement Planning Software

MoneyHelper Retirement Budget Planner: A free web planner for comparing expected retirement income with household outgoings. Ranked #26 of 26 in Retirement Planning Software by our editors (6.7/10); pricing: Free plan; best for people planning a simple UK retirement budget.

6.7/10Editor score

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MoneyHelper Retirement Budget Planner6.7 Visit MoneyHelper

At a glance

Editor score
6.7 / 10
Pricing
Free plan
Best for
People planning a simple UK retirement budget
Free plan
Yes
Paid from
Free
Founded
2018 · Bedford, United Kingdom
Facts checked
19 Sep 2026

Where it wins
- Compares retirement income with outgoings and possible money left over
- Breaks down spending to help identify potential cost reductions
- Can include another person and save information to return later
Where it doesn't
- Focused on budgeting rather than full retirement planning
- Results depend on the income and spending details entered
- Available on web, with no other platform listed

Our verdict on MoneyHelper Retirement Budget Planner

MoneyHelper Retirement Budget Planner is a free online budgeting tool from the Money and Pensions Service for people planning retirement in the UK. It compares entered income with outgoings and calculates whether money may remain after expenses. The planner accepts an intended retirement age, current income, spending, household bills and pension contributions. It is most suitable for people who want a straightforward view of retirement household finances, rather than a broader retirement-planning product.

Its core value is the spending comparison: the tool provides a breakdown of outgoings that can help users identify potential cost reductions. The ability to add another person makes it relevant to household budgeting, while the option to save information and return later supports planning over more than one visit. These features keep the tool centered on practical budgeting inputs and their relationship to retirement income, rather than a wider set of planning needs.

The planner is free and web-based, so there is no paid tier to weigh against its budgeting functions. Its narrow focus is also its main limitation: people looking for more comprehensive retirement planning should consider a product with a wider scope. Choose MoneyHelper when a simple comparison of expected retirement income and household costs is the priority; look elsewhere if you need planning beyond that comparison.

Your product? Our editors can test MoneyHelper Retirement Budget Planner in depth and publish a review, labelled as paid · from $149/mo →

MoneyHelper Retirement Budget Planner pricing

Plans Free planFree Free to use — no paid tier required for the core job.

See plans on retirement-budget-planner.moneyhelper.org.uk

MoneyHelper Retirement Budget Planner fact sheet

Free plan	Yes
Paid from	Free
Income projection	Not verified
Savings growth projection	Not verified
Withdrawal planning	Not verified
Tax modeling	Not verified
Social Security modeling	Not verified
Scenario analysis	Not verified
Account synchronization	Not verified
Deployment	Cloud
Platforms	Web
Pricing	Free plan
Website	retirement-budget-planner.moneyhelper.org.uk
Facts checked	19 Sep 2026

Alternatives to MoneyHelper Retirement Budget Planner

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Featured on iTechGuides

MoneyHelper Retirement Budget Planner is listed in our Retirement Planning Software directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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Last updated 7 Oct 2026 · How we research and update