My Money Matters
My Money Matters: A free UK-focused platform combining financial education, coaching and payroll-linked benefits. Ranked #15 of 28 in Employee Financial Wellness Software by our editors (7.7/10); pricing: Free plan; best for free UK-oriented payroll savings benefits.
At a glance
- Editor score7.7 / 10
- PricingFree plan
- Best forFree UK-oriented payroll savings benefits
- Free planYes
- Paid fromFree
- Coaching accessOne_to_one
- Facts checked21 Sep 2026
Where it wins
- Free access across web, iOS and Android
- Combines coaching, education, health checks and AI assistance
- Supports payroll savings, earned-pay access and pension contributions
Where it doesn't
- Employee access requires an organisation partnership
- The offering is aimed primarily at public-sector organisations
- Organisations outside the named integrations may need another route
Our verdict on My Money Matters
My Money Matters is an employee financial wellbeing platform for public-sector organisations and their employees, including LGPS and NHS partner organisations. It brings together personalised financial health checks, financial education, webinars, one-to-one coaching and an AI assistant called Max. Employees can access the service through web, iOS and Android experiences, while employers receive onboarding, payroll integration and communications support.
The published pricing model is free, with no joining or monthly fee. There are no paid tiers to compare. The core offering covers education resources and a learning library, live and on-demand webinars, financial health tools, coaching and AI assistance. Its payroll-linked features add On-Demand Pay for accessing earned salary early, Automatic Payroll Savings and Shared Cost AVC pension contributions. This combination makes the product particularly relevant to employers seeking a broad financial wellbeing benefit that connects guidance with workplace savings and pay options.
Integration fit is centred on payroll and HR environments, with IRIS Cascade, IRIS Staffology, Shape/Ciphr and SAP listed as integrations. The service is designed for organisations that can provide the required employer partnership and payroll connection, rather than employees signing up independently. Public-sector employers looking for financial education, coaching and payroll savings benefits should find the positioning relevant. Organisations outside that audience, or those needing an integration beyond the named systems, should consider a product with a broader target market or ecosystem.
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My Money Matters pricing
My Money Matters fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Education content | Yes |
| Financial planning | Yes |
| Coaching access | One_to_one |
| Financial health tools | Yes |
| Employer reporting | Not verified |
| HRIS integrations | Yes |
| Available platforms | Both |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | ISO 27001 |
| Support | Email, Phone, Docs |
| Built for | Mid-market, Enterprise (editorial estimate) |
| Integrations | 4 integrations: IRIS Cascade, IRIS Staffology, Shape/Ciphr, SAP |
| Pricing | Free plan |
| Website | mymoneymatters.com |
| Facts checked | 21 Sep 2026 |
My Money Matters integrations
My Money Matters lists 4 integrations on its own site.
- IRIS Cascade
- IRIS Staffology
- Shape/Ciphr
- SAP
Alternatives to My Money Matters
- nudgeA broad employee financial wellness platform with coaching, action plans, and analytics.9.4
- BrightPlanA broad, mobile-first financial wellness platform pairing AI coaching with certified advisors.9.3
- Financial FinesseA mature employee financial wellness program combining CFP coaching, AI guidance, and workforce reporting.9.1
See all My Money Matters alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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