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This is a time when you should be able to wind down and relax but the change to your financial situation can make it difficult to do this.

For many people, starting retirement will mean a reduced income. You might find its a struggle to pay your household bills, unsecured debts, or both. With that in mind, it’s important to get the right advice to help you deal with your situation and put your mind at ease.

If you're concerned about meeting your payments you can use our online Debt Remedy tool, which will give you free and impartial debt advice that's tailored to your situation. 

In the meantime you might find the following tips useful:

Retirement and debt

If you have savings in a personal or workplace pension, you may be able to access a lump sum of money from this before retirement. If you've been struggling with debt problems and you're approaching the age where you could draw a lump sum, read more about pensions, savings and debt.

If you’ve contributed towards any private or company pension schemes, contact them to find out how much you’re likely to receive and when they are due to start.

If you’d like more information about pensions, the Money Advice Service offers free advice on pensions and retirement.

Benefit entitlement

Use our free online benefits calculator to see what you might be entitled to claim. Depending on your situation you could claim benefits such as pension credit, or help with your rent and council tax payments.

You may also be able to get help with your winter fuel payments or grants towards insulating your home.


Once you reach state pension age, you’re entitled to free prescriptions and free eye tests in England. 

You can get a free bus pass, wherever you live in the UK. This lets you to travel at off-peak times completely free of charge.

You’ll also be able to get a free TV licence if you’re over 75.

If we haven’t answered your question please contact us and one of our expert advisors will be able to help you.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2016