Financial nostalgia

What’s your financial age?

Your life doesn’t stand still — but your finances sometimes do.

Over time, many of us pick up money habits that quietly fall out of date. Pensions we never revisited. Savings that made sense years ago. Decisions that haven’t caught up with pay rises, life events or new responsibilities.

This quick check looks at how up‑to‑date your money habits really are — and calculates your financial age.

It’s based on our new research into how people manage (and don’t manage) their finances over time, comparing your answers to national benchmarks and typical life‑stage behaviours.

How it works

answer a few quick questions (takes 1–2 minutes)
we compare your answers to real‑world data and typical life stages
you’ll get a financial age — and see how far your finances may have drifted from your life today

Your five-point financial MOT

Review your pension contributions: Make reviewing your pension a priority whenever your salary increases—it’s a vital step for your long-term security. Small, consistent increases can significantly boost your final pension pot.
Check your savings: Are you getting the best interest rate possible on your cash savings? Have your savings goals changed?
Use your ISA allowance: You can save or invest up to £20,000 tax-efficiently before the 5 April deadline. Don't leave it to the last minute.
Size-up your emergency fund: A good rule of thumb is to have 3-6 months of essential outgoings saved. Does your current fund still cover your current costs?
Update your protection: If you’ve moved home, had children or changed your circumstances, review your life insurance and other protection policies to ensure they still provide the right cover.

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