UK Markets Today · Money MOT 2026
Your Free UK Money MOT
Find out exactly what your finances are worth, and how much money you are leaving on the table
- Takes 4 minutes
- Completely free
- No login needed
Join thousands of UK adults who have already checked their finances
Ready when you are
A 4-minute financial health check for UK adults
One question at a time. Big clear options. Instant report with real £ figures, not vague percentages.
- Savings rate vs competitive UK AER
- Mortgage SVR and deal-end risk
- Pension, emergency fund, debt, ISA & protection
Analysing your finances...
-
Calculating your report…
Your Money MOT findings
Prioritised by urgency. Every figure is an estimate in pounds sterling based on your answers and current UK market assumptions.
Total money being left on the table
£0
By fixing these issues you could keep more every year.
Your action plan
Tick items as you complete them. Links go to practical UK Markets Today guides and tools.
Send my MOT report to my email
No password. We will open a draft email with a text version of your report so you can save it.
Report draft ready, check your email app.
Book your 6 month re-check
Rates, ISA allowances and mortgage deals move. Add a reminder so your next Money MOT is in the diary.
UK Money MOT report, ukmarketstoday.co.uk/money-hub/
Informational only. Not regulated financial advice.
Your data is never stored
Completely anonymous
Built on FCA and BoE data
Takes just 4 minutes
100% free, always
What Is a Money MOT?
A Money MOT is the UK’s free financial health check UK adults can complete in about four minutes, a personal finance MOT for your everyday money, not your car. Created by UK Markets Today for people across England, Scotland, Wales and Northern Ireland, it turns scattered money questions into one clear financial health score UK households can act on. You answer twelve multiple-choice questions about income, housing, savings, pensions, debt, emergency cover, ISA usage, insurance and credit. Instantly, you receive a score out of 100, a prioritised list of issues, and estimated annual losses in pounds sterling.
We built this money check UK 2026 tool because most people only discover a problem when a mortgage deal ends, a tax year closes, or an unexpected bill arrives. A Money MOT is designed to catch those leaks earlier: cash earning far below competitive AER, SVR risk on a typical £185,000 balance, pension gaps towards State Pension age 67, thin emergency funds, expensive unsecured debt, and unused £20,000 ISA allowance. It is free, anonymous and client-side, no login and no server storage of your answers.
Who is it for? Anyone who wants a practical free financial health check UK readers can trust: first-time buyers, remortgagers, renters, parents, the self-employed with a SIPP, and couples managing a household budget. It is informational, not regulated advice, but it is specific enough to show what “leaving money on the table” looks like in £, then point you to the next step on UK Markets Today.
Why Every UK Adult Needs a Money MOT in 2026
2026 is a pivotal year for UK household cashflow. Bank of England rate decisions continue to reshape savings AER and mortgage product pricing. Millions of fixed deals written in the low-rate years are still rolling off, and borrowers who drift onto SVR near 7.5% instead of a competitive fixed near 4.5% can lose hundreds of pounds a month on an average £185,000 balance. At the same time, the cost of living keeps pressure on emergency funds, while buy-now-pay-later and card balances quietly compound.
Tax wrappers matter more than ever. The £20,000 ISA allowance still resets each April, and households that leave it unused can pay HMRC tax on interest once personal savings allowances are exhausted. Looking ahead, ISA rule changes expected around 2027 make 2026 the year to understand your current usage, Cash versus Stocks and Shares mix, and whether Premium Bonds or easy-access cash still fit your goals. Over 40 million UK adults have never had a comprehensive financial health check. The average UK adult leaves £3,000 per year on the table through poor financial decisions, from low-paying current accounts to missed pension contributions and late remortgage planning.
A Money MOT compresses that complexity into four minutes. You leave with a score, pound figures and a week / month / year action plan, then book a six-month re-check so 2026 rate moves do not catch you off guard.
What the Money MOT Checks
The Money MOT reviews six core areas that drive most UK household outcomes. First, savings rate efficiency: how much you hold, where it sits (current account, dedicated savings, Cash ISA, Premium Bonds or Stocks and Shares ISA), and whether your AER is competitive versus a 4.42% benchmark, including FSCS protection context up to £120,000 for eligible joint deposits. Second, mortgage situation and risk: ownership type, fixed-deal end dates, tracker exposure and the monthly cost of rolling onto SVR versus a 4.5% fixed on a typical £185,000 balance, with LTV and remortgage timing in mind.
Third, pension adequacy: auto-enrolment minimums versus higher contributions, opt-outs, self-employed SIPP cover and an indicative gap to State Pension age using monthly shortfall × 12 × 25 years. Fourth, emergency fund strength: months of expenses you could cover if income stopped tomorrow, targeting three to six months of essentials. Fifth, debt profile: unsecured balances across cards, personal loans and BNPL, with estimated interest drag where balances are material. Sixth, ISA and tax efficiency: how much of the £20,000 allowance you have used this April-to-April tax year, personal allowance context (£12,570), and whether cash outside an ISA is creating avoidable HMRC tax.
Findings are labelled URGENT, IMPORTANT, GOOD or minor, written in plain English, and linked to UK Markets Today guides so diagnosis becomes the next click, not another unread article.
How Your Score Is Calculated
Your Money MOT score starts at 100. Points are deducted for each issue the engine identifies: 15 for every URGENT finding, 8 for every IMPORTANT finding, and 3 for each minor flag, with a floor of 10. Bands are Excellent (80–100), Good (60–79), Needs work (40–59) and Urgent attention (below 40). Savings losses use midpoint balances and stated rates versus 4.42% AER; mortgage risk compares 7.5% SVR with a 4.5% fixed on £185,000; pension gaps use monthly shortfall × 12 × 25 years. The methodology is reviewed and updated quarterly to reflect current UK rates, ISA thresholds and market assumptions, so your financial health score UK result stays relevant as Bank of England and HMRC figures move.
Data Sources and Accuracy
Money MOT calculations are estimates grounded in published UK sources, not a regulated suitability assessment. We reference Bank of England base rate data for the rate environment that shapes savings and mortgage pricing; ONS savings and mortgage statistics for household context and typical balances; FCA consumer finance data for market conduct and product risk framing; HMRC ISA and tax threshold data including the £20,000 ISA allowance and personal allowance; and MoneyHelper national standards for emergency fund and budgeting norms. Figures are indicative pound estimates designed to prioritise action, always verify live product rates and speak to an FCA-regulated adviser for personal advice.
What Happens After Your Money MOT?
After your final answer, your score reveals with an animated gauge, then issue cards appear in priority order with pound figures and clear next actions. A total impact box shows money left on the table each year. Your checklist action plan groups tasks into This Week, This Month and This Year. Email yourself a text report, tick items off as you go, and add a six-month re-MOT reminder to Google or Apple Calendar so you re-check when rates and deals have moved.
Quick answer, What is a Money MOT?
A Money MOT is a free personal finance health check built specifically for UK adults. It takes 4 minutes, asks 12 questions about your savings, mortgage, pension, debt and ISA usage, then gives you a score out of 100 with a prioritised list of issues, each showing exactly how much money it is costing you in pounds per year.
Frequently Asked Questions
What is a Money MOT?
A Money MOT is a free personal finance health check built specifically for UK adults. It takes 4 minutes, asks 12 questions about your savings, mortgage, pension, debt and ISA usage, then gives you a score out of 100 with a prioritised list of issues, each showing exactly how much money it is costing you in pounds per year.
How long does the Money MOT take?
The Money MOT takes approximately 4 minutes to complete. There are 12 questions with multiple choice answers. Your personalised report appears instantly when you finish.
Is the Money MOT free?
Yes. The UK Markets Today Money MOT is completely free to use. No login, no registration and no payment is required. You can complete the MOT anonymously and your data is never stored on our servers.
Is my financial information stored or shared?
No. All calculations happen in your browser. No financial data you enter is sent to our servers or stored anywhere. Your information is completely private and anonymous.
How is my Money MOT score calculated?
Your score starts at 100 and points are deducted for each financial issue identified. Urgent issues deduct 15 points each. Important issues deduct 8 points each. Minor flags deduct 3 points. The score reflects the overall health of your finances across savings, mortgage, pension, emergency fund, debt, ISA usage and insurance.
What happens after I complete my Money MOT?
You receive an instant personalised report with your score, a list of issues in priority order with pound figures, and a step by step action plan. You can email yourself the results and set a 6 month reminder to re-check your finances.
How often should I do a Money MOT?
We recommend completing a Money MOT every 6 months. UK interest rates, savings rates and mortgage deals change regularly. An issue that did not exist 6 months ago may be costing you money today.
Can I do a Money MOT for my household?
Yes. If you are completing the MOT as a couple, use your combined household income and total combined savings. The results will reflect your household financial position.
Data sources
Rates and thresholds referenced from: Bank of England | ONS | FCA | HMRC | MoneyHelper
This Money MOT is for informational purposes only and does not constitute regulated financial advice. Calculations are estimates based on your answers and current UK market rates. For personalised financial advice speak to an FCA-regulated financial adviser. UK Markets Today is not FCA regulated.