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Financial wellbeing

Grow your financial knowledge and take control of your money.

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Your money today

Make the most of what you have now. From everyday budgeting to managing debt and building savings, small steps today can give you more choices with your finances.

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What is your money mindset?

Build better habits by understanding how you think about money.

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Why can't I access my pension before I'm 55?

Early access rules are there to protect you and your retirement savings.

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Get help with your finances

Support, guidance, and practical help for those dealing with debt.

Manage your money for financial confidence

Your guide to taking control of your money.

Ten ways to save money and boost your financial wellbeing

Discover ten practical ways to save money and boost your savings.

Pension planning

Understand how your pension works and what it could mean for your future. From explaining retirement to key decisions, explore clear, practical guidance to help you feel more confident about your future.

Rethinking retirement: Susan’s story

“We should retire the word retirement”

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How much do I need to save for retirement?

There's no one-size-fits-all answer. We'll help you understand your options, estimate what you might need, and explore the steps you can take to build the retirement you want.

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I want to stop paying into my pension

Planning for tomorrow, today.

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How planning today can help you retire your way

Start planning today to achieve your ideal retirement lifestyle.

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Get help with my pension

Plan your future with clear support, guidance and choices.

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Tax and pensions

Everything you need to know about tax and your pension.

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Your pension helps protect your loved ones' future

Secure your future and write a will to protect your loved ones.

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Pension essentials

Discover how pensions work and build a clear, confident future for yourself.

Tools

Retirement can feel like a big step, especially when you’re not sure how much you’ll need or how long your money might last. Our tools help you understand what you’ve built and explore your retirement income, so you can plan your next steps with confidence.

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Why knowing how long you could live is important

How long will your money need to last in retirement?

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How to use Smart Pension’s retirement tools

Our tools are designed to help you answer the most difficult but important questions.

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Retirement calculator

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Pension health score

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Life expectancy calculator