My Money Matters review
A free UK-focused platform combining financial education, coaching and payroll-linked benefits.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
My Money Matters pros and cons
- 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
My Money Matters fact sheet, pricing and score →
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