MoneyHelper's Midlife MOT

The Midlife MOT is a tool to help you assess your current financial situation and plan for the future. Your personalised report will tell you what to prioritise and link to guidance on how to improve your financial wellbeing from midlife through to retirement.

You can use this tool to:

  • identify actions to improve your finances, according to your priorities
  • help you plan for the future and make sure you stay on track to achieve your goals.

This tool works best for people:

  • between the ages of 45 and 65
  • living and planning to retire in the UK.

We will ask a series of questions about your finances.

You won’t need any documents or extra information to use the tool. It will take about 5 minutes to complete.

The information you provide will be kept completely anonymous, but you can download your results.

Start your Midlife MOTOpens in a new window


Before you start

If you’re dealing with debt, get help as soon as possible. You can find free debt advice using our Debt advice locator.

If you’re under 45, the following resources may be better suited to help you get your finances on track:

If you’re over 65, we recommend reading our pages on pensions and retirement.

If you’re worried that you’re going to have to retire sooner than expected due to a serious health condition, we suggest prioritising your retirement planning and see Ill-health retirement: early medical retirement.

If you’re struggling with your mental health, please check out Money problems and mental wellbeing.

Most Popular Apps & Tools