Feel more confident with everyday money decisions.
Try a short lesson, explore a real-life choice or build a simple plan. No account needed.
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Money basics
Choose a topic, read a short lesson, then answer one question.
Your next step
Start with a short lesson.
Decision simulator
Educational examples: choose an option to see its likely costs, benefits and risks. You can change your mind.
What might happen?
Emergency fund challenge
Try different ways to handle an unexpected bill and see the effect on next month’s money.
Likely effect
This is a practice exercise. A delayed essential bill may lead to penalties or harm; ask the provider about your options before missing a payment.
Budget planner
Use made-up figures or your own approximate amounts. Figures stay in this browser and are not saved by this planner.
A negative balance means the listed expenses are more than the income entered. This does not include every possible cost.
Savings goal planner
Estimate how long a goal could take at a steady monthly amount.
Assumes you save the same amount at the end of each month. No interest, fees, inflation or withdrawals are included. This is an estimate, not a promise.
Compare two loans
Enter two illustrative offers to compare monthly repayments and total cost. Use the same currency for both.
Loan A
Loan B
Illustration assumes a fixed rate, equal monthly payments and the fee paid separately at the start. It excludes late fees, changing rates and other conditions. Check the lender’s actual repayment schedule and total amount payable.
Credit choices
Work through five everyday situations. Choose an action to see a likely effect on your credit record and a practical next step.
What might happen?
This is educational practice, not a real credit score or a prediction of approval. Credit reference agencies may show different information and lenders make their own decisions. Never enter personal account details here. Learn how to check your credit report with MoneyHelper.
Spot the warning signs
Inspect the message, choose your response and read the clues. These messages are fictional.
Feedback
My learning progress
Choose whether to remember your lesson progress on this device. It will not transfer to another device.
Completed
Areas to revisit
Final money challenge
Try seven everyday decisions. Submit all answers for a personal summary, then try again whenever you like.