Money guidance that’s actually on your side.
Free, independent information on banking, savings, mortgages, pensions, credit, debt and benefits. No paywalls, no sign-up, no jargon — just the facts you need to make your next decision.
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- Free to read
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- Review cycle
Start with the basics
Eight pillar topics covering 90% of the money questions adults ask. Each guide links onward to the deeper questions underneath.
Banking & current accounts
Pick the right current account, switch banks with the Current Account Switch Service, and protect your money with FSCS cover.
Savings & ISAs
How Cash ISAs, Lifetime ISAs and easy-access accounts work — and how to use your personal savings allowance.
Mortgages & first homes
From Help to Buy alternatives to remortgaging — work out what you can borrow and what each rate type means.
Pensions & retirement
The State Pension, workplace auto-enrolment, SIPPs and drawdown — explained without the jargon.
Credit cards & loans
APRs, 0% balance transfers, soft-search eligibility and how to build a UK credit file responsibly.
Debt help
Free, regulated debt advice from StepChange, National Debtline and Citizens Advice — and what each option means.
Insurance
Buildings, contents, life, income protection and travel — what each cover does, and when it's worth paying for.
Benefits & tax
Universal Credit, Council Tax support, tax codes, Marriage Allowance and the rules HMRC actually uses.
Investing & ISAs
Stocks & Shares ISAs, index funds, platforms and fees — how long-term investing actually works, without the hype.
Bills & utilities
Energy price cap, council tax bands, broadband and water — cut what you pay every month without changing your life.
Family & care
Childcare costs, child benefit, wills, power of attorney and paying for later-life care — the money side of family life.
Work & self-employment
Payslips, National Insurance, side income, tax on self-employment and what to do when your job changes.
Cars & motoring
PCP vs HP vs leasing, car insurance, EV running costs and what really happens at the end of a finance deal.
Why trust us
Money Guide is free to read — no paywall, no sign-up, no sponsored content slipped into the guides. If a page here saved you time or money, please consider a small donation to our partner charity at worldaidnetwork.org/donate — it helps keep this service open to everyone.
Reader-first
Guides are written to answer the question, not to sell you something. Any paid arrangement is disclosed on the page itself.
Plain English
If a guide can’t be understood by someone meeting a topic for the first time, it goes back for another draft. Jargon is always explained.
Source-cited
Every rule, threshold and figure links to its source — HMRC, the FCA, the Bank of England or the relevant government department.
Common questions about this service
- Is the Money Guide really free?
- Yes. Every guide is free to read, with no sign-up and no paywall. If a page has saved you time or money, you can support our partner charity World Aid Network with a donation — but it's never required.
- Do you give personal financial advice?
- No. We provide general information only. For a personal recommendation you should speak to an FCA-regulated financial adviser, or contact a free regulated service like MoneyHelper or Citizens Advice.
- Who writes and checks the guides?
- Every guide is written in plain English by our editorial team, fact-checked against the relevant rules from HMRC, the FCA, the PRA and government departments, and reviewed at least every two months. See our editorial policy for the full process.