About MoneyMind UK

A free, friendly course that helps everyday people in the UK understand their money and their rights — across 23 modules in four tiers, from payslips and benefits to pensions, debt and tax. Learn a topic, take a quick quiz, try a real calculator, apply it in the real world, and ask the AI tutor anything.

Money found

£0

Unlocked through real-world quests. An estimate, never advice.

Your rank

Newcomer

0 XP

200 XP to the next title.

The rank ladder

Newcomer
Survivor
Stabiliser
Grower
Strategist
Graduate

Clear every module in a tier to earn its rank and unlock the next. Finish all four tiers to become a MoneyMind Graduate.

How you earn XP

Finish a lesson+50 XP
Complete a quiz+100 XP
Score 100% on a quiz+50 XP
Use a tool+25 XP
Complete a real-world quest+75 XP
Finish a whole module+150 XP

Badges(0 of 31)

Module badges

First Steps

Set your first money goal and learned the order of operations.

Budget Builder

Built a budget and automated your first savings.

Account Ace

Chose the right account and learned how to switch and save.

Bill Buster

Learned to cut the big recurring bills and beat the loyalty penalty.

Scam Spotter

Learned to spot the cons and protect your money.

Back on Track

Learned how to triage tight months and find free help.

Safety Net

Sized your emergency fund and started building it.

Payslip Pro

Decoded a payslip and understood tax, NI and tax codes.

Know Your Rights

Learned your core legal entitlements at work.

Entitlement Expert

Learned what you can claim and checked your eligibility.

Debt Slayer

Learned how credit works and built a debt payoff plan.

Rights Defender

Learned your refund rights and how to get your money back.

Loan Literate

Understood how your student loan really works.

Well Protected

Understood which cover is worth it and found your protection gaps.

ISA Insider

Learned the ISA types and how to use the allowance.

Steady Investor

Learned the principles of sensible long-term investing.

Home Ready

Learned tenant rights, mortgages and the cost of buying.

Future Proofed

Understood the State Pension and workplace pension and checked your forecast.

Tax Savvy

Learned the allowances and reliefs most people miss.

The Optimiser

Learned the wrapper hierarchy and how to claim every relief you are owed.

Cliff Climber

Learned to manage the hidden tax thresholds and use a couple's combined allowances.

Tax Strategist

Learned to use capital and legacy allowances well — and where the legal line is.

Affairs in Order

Learned why a will and LPA matter and what intestacy means.

Achievement badges

Switcher

Switched a bill or bank account to a better deal.

Code Cracker

Checked your tax code against your payslip.

Credit Aware

Checked your credit report and debt position.

Pension Detective

Checked your State Pension forecast.

Meta badges

Money Found £100

Unlocked £100+ through quests.

Money Found £500

Unlocked £500+ through quests.

Money Found £1,000+

Unlocked £1,000+ through quests.

MoneyMind Graduate

Completed every module across all four tiers.

Your data & privacy

MoneyMind works without an account. Your progress, XP and badges are saved only in this browser (using local storage) — nothing is sent to a server and there's no sign-up. Clearing your browser data, or the button below, will reset everything.

Important: MoneyMind UK is an educational tool providing general information using 2026/27 figures verified against gov.uk. It is not regulated financial, legal or tax advice. For decisions about your own situation, speak to a qualified adviser or use the official services on the Find Help page.