Get started today – even just half an hour could make a world of difference. 

Work through the modules one by one, or pick and choose the ones you need.


Find tips and tricks to help you build up savings to secure the future you want.

Go to lesson


Learn how to start and maintain a monthly budget with advice and tools.

Go to lesson

Debt, borrowing and credit

It's never too late to take control of debt and improve a credit score. Find out how.

Go to lesson

Investing basics

Find out the basics of investing to help you decide if investing is right for you.

Go to lesson

Protecting your future

Explore how to build toward a more secure future, today.

Go to lesson



Explore tools to help you take control of your finances, from cutting down debt to building a monthly budget.

Scottish Widows Tools and Calculators

Scottish Widows Pension Options Calculator

Calculate and compare your options for pension pots over £ 5,000.


View tool

Scottish Widows Tax Calculator

Taking it all or part of it as cash? Find out how much tax you could pay


View tool

Scottish Widows Paying More Calculator

Calculate the benefits of increasing payments to your workplace pension.


View tool

Scottish Widows Pension Payments Calculator

Find out 'who pays what' to your workplace pension.


View tool

Meet your future self Tool

See what your future looks like to help you plan for retirement


View tool

Scottish Widows Your Future Lifestyle Tool

What might life be like in retirement and how much could you get?

Other tools and calculators

We have provided below some additional tools from third parties, which may also help

Budget Planner provided by MoneyHelper

Knowing where every pound is being spent is a great first step to sorting out your finances.


View tool

Savings Calculator provided by MoneyHelper

A collection of calculators to help you set and understand your savings goals.


View tool


What is stock market volatility?

What is life insurance?


Life is rarely straightforward. But learning to deal with stress can help your mental and physical health, and improve your financial wellbeing. Explore our topics to find the support you need.

View topics

Provided by: