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Retirement and debt

Retirement, your pension and debt

Retirement should be a time to wind down and relax. But the change in your finances can make it hard.

Retirement often means a reduced income. It can become hard to pay normal household bills.

Getting the right advice can help you deal with your situation and put your mind at ease.

Are you struggling with debt since you retired?

Money worries?

Find out how we can help you.

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Retirement and your pension

You may be able to take money from personal savings or a workplace pension before retirement.

You may be able to use this for debt if necessary.

You can also contact any private or company pension schemes you contribute to. Ask them:

  • How much you will receive
  • When payments will start

Visit Money Helper for more advice on pensions and retirement.

Benefit entitlement

Use our free online benefits calculator to see what you might be able to claim.

This could include pension credit or help with rent and council tax payments.

There is also support available for winter fuel payments or grants to insulate your home.

Can I claim anything for free now I am retired?

You are entitled to free prescriptions and free eye tests when you reach pension age in England.

You can get a free bus pass, wherever you live in the UK.


  • This lets you to travel at off-peak times
  • It is completely free of charge

You can get a free TV licence if you are over 75.

We can help you with debts

Use our online debt advice tool if you are struggling with payments.

Our free and impartial debt advice is tailored to your situation.

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