At a glance: Annual Report and Accounts 2025/26

At MaPS, our vision – better financial futures of everyone in need – and our mission – working together, we help people manage their money today and for the future – guide everything that we do.

This year, we remained focused on helping people, especially those most in need, to make confident decisions about their money and pensions. 

• Almost 680,000 debt advice clients were served in 2025/26, 117% of our KPI target.
• Over 250,000 ‘Money Guidance Digital Tool Completions’, 208% of our KPI target.
• Over 750,000 ‘Pension Guidance Digital Tool Completions’, 179% of our KPI target.
• Over 7,000 Money Guidance Practitioners engaged through our Money Guiders programme, against a target of 6,000.

You can download the full Annual Report 2025/26Opens in a new window (PDF, 4.6MB).

I am proud that MaPS is playing a key role in advancing financial inclusion in the UK and underpins several strands of delivery in the Government’s Financial Inclusion Strategy.

This includes providing free, impartial money guidance and debt advice, helping people build financial capability, and embedding financial education for young people.

We are also supporting families to build confidence at home, and expanding access to high-quality money guidance and support, such as through Money Guiders, which is being scaled up as part of the strategy. 

This year marked 20 years of Government funding for debt services, a significant milestone in our long-term commitment to supporting people in financial difficulty.

In 2025/26 we continued to help individuals in need of debt advice to access free, high-quality services. Through our contracts and grant arrangements with suppliers, we served over 803,000 people.

A total of 35,000 Debt Relief Orders were successfully administered, 125% of the target of 28,000, giving valuable breathing space to people in need.

We also continued to shape our long-term debt advice strategy through consultation with the sector, and invested in programmes such as the Debt Advice Modernisation Fund to strengthen organisations’ ability to deliver high-quality debt advice. In doing so, we’re making sure MaPS and the wider debt sector are ready for the future.

We provide money guidance through MoneyHelper, our customer-facing service that joins up money and pensions guidance to make it quicker and easier to find the right help.

We continued to see significant demand for money guidance services this year, with 597,000 sessions delivered across our contact centre and website tools. This is equivalent to 178% of our 335k KPI target.

We have also worked hard to improve the customer journey and direct customers to relevant tools where appropriate, including text message referrals built into our phone options.

Notably, there were over 535,000 completions of our money guidance digital tools, which provide a financial wellbeing outcome for the consumer. This equates a staggering 208% of our target. 

Engaging with pensions and planning for the future helps people to work towards the standard of living they hope for in retirement. Our trained pensions experts help people with their pensions queries and we provide expert help on MoneyHelper.

MoneyHelper pensions guidance

Our pensions guidance sessions figures remained consistent with last year, and we saw exceptional growth in the use of our digital pensions guidance tools, with over 750,000 completed uses, which equates to 179% of our target. This reflects improved data visibility and continued enhancements to digital service delivery over the year.

Pension Wise

Pension Wise is a service from MoneyHelper offering free, impartial guidance to over 50s with defined pension pots.

In 2025/26, a total of 131,478 of our Pension Wise appointments were attended, which is 124% of our target of 106,020. 

Money Guiders supports organisations and individuals to confidently talk about money with their customers and give safe, effective guidance. In 2025/26, we began including Money Guiders as a KPI for the first time.

In total, over 7,000 practitioners engaged with Money Guiders learning opportunities via eLearning, event attendance or networking.  

This year, we engaged over 250 organisations, significantly expanding the reach and impact of Money Guiders.

We’ve made further progress on the Pensions Dashboards Programme (PDP). Over 75 million workplace and personal pension records, plus tens of millions of State Pension records, are now connected to the ecosystem.

That’s around 90% of all pensions in scope for dashboards, which we expect to rise to 96% by the final connection deadline on 31 October. Once schemes with approved legislative deferrals are connected, coverage will be 100%.

We’re also developing the MoneyHelper Pensions Dashboard (MHPD), which will be the first dashboard to launch in the UK. On current plans, we expect the dashboard to be available to the public in financial year 2027/28, paving the way for private sector dashboards to follow.

To see how the service performs in real-world use and refine it before launch, we are undertaking consumer testing with real users and real data. The current phase of testing is about scaling up who gets to try the dashboard, meaning thousands of users each month are taking part. We’re aiming to gradually build these volumes as we move towards launch.

Following our first review of the MaPS Standards with the Financial Conduct Authority, we consulted and agreed upon a revised set of MaPS Standards, which took effect in April 2026.

The new standards are split into three key areas – designing services and creating capability, delivering services to consumers, and managing the service – and will help us to continue to ensure that those most in need receive access to services that are beneficial to them.

The review itself was largely positive and reflected our own findings and recommendations, which were already factored into our delivery plans for 2025/26.