Dashboards hub

The launch date will be decided by the Secretary of State for Work and Pensions and the government has confirmed that industry will receive at least 6 months’ notice.

We will provide an update on launch plans around the time of the 31 October connection deadline, when more user testing will have been undertaken.

Marketing the MoneyHelper Pensions Dashboard to consumers

Launch plans are being developed and we are considering how to engage and work with industry over the coming months to deliver a coordinated approach in support of the MoneyHelper Pensions Dashboard’s successful launch to the public.

Video walkthrough

Watch an example of the pensions dashboard user journey.

• The full journey (11 mins 15 secs) which covers 3 sub-sections
• Part 1 of 3: Identity verification and logging in (3 mins 47 secs)
• Part 2 of 3: Information summary and confirmed pensions (5 mins 51 secs)
• Part 3 of 3: Pending pensions and those needing user action (2 mins 52 secs)

Pension matching and the 3 pension status categories

When someone uses a pensions dashboard, pension providers, schemes and the Department for Work and Pensions (DWP) check whether a user’s details match their pension records and return a 'definite match' or 'possible match' for pensions that may then appear on a dashboard:

• Definite match: If they are confident that a pension belongs to that user.
• Possible match: If there is enough information to suggest the pension may belong to the user, but more information is needed to confirm it.

These help populate the 3 pension status categories displayed to a user in current designs:

• Confirmed pensions: Where a definite match has been made and the provider or scheme is able to supply all the required data immediately. The pension appears complete and ready for the user to view.
• Pending pensions: Where a definite match has been made, but not all the required information can be displayed because the provider or scheme needs more time to provide the data, within set time limits. For value data, this is typically within 3 working days for schemes where all benefits are defined contribution, or 10 working days for all other cases. The user does not need to do anything. Once the data is supplied, the pension moves into confirmed and can be viewed if the user checks back again.
• Pensions that need action: Where the user needs to contact the provider or scheme, either to provide more information to confirm a possible match, or where a definite match has been made but the provider or scheme needs to speak to them before releasing some or all of the pension information.

Consumer support

MaPS is providing support for dashboard users through telephone, webchat, WhatsApp and email, plus options to contact us via a British Sign Language (BSL) interpreter.

Pension providers and schemes will also need to provide support for queries relating to their own products during testing. Most have indicated their support will evolve during the testing period with resources to deal with queries increasing as the volumes of testers increase. Where an individual contacts a provider or scheme regarding a 'pension that needs action’, including possible matches, the provider or scheme is expected to provide support, including seeking to resolve the match.

Pension providers and schemes should ensure that any contact details they have provided for display on the dashboard reflect the support being provided during testing.

Onward journeys after using dashboards

MoneyHelper is developing onward journeys for dashboard users to help provide clear guidance if they're looking to take next steps after they use a dashboard, including helping users plan their retirement budget and understand their options at retirement.

Alongside the dashboard, people can access a range of free, impartial pensions guidance services through MoneyHelper. This includes Pension Wise appointments for those with UK-based defined contribution pensions. Mainly for those over 50, Pension Wise offers a confidential conversation to help people understand their options.

People can also speak to trained pensions specialists via phone, webchat or email, or explore online tools, guides and webinars that support pension decisions at different life stages.

The MoneyHelper Pensions Dashboard will signpost users directly to these services at relevant points, helping people move seamlessly from seeing their pension information to accessing guidance that can support their next steps.

Read more about how pensions dashboards complement wider pension support.

All pension types are supported

The MoneyHelper dashboard supports the display of all 7 types of pension:

• State Pension
• defined contribution (DC)
• defined benefit (DB), including those with multiple tranches
• hybrid pensions
• collective defined contribution (CDC)
• additional voluntary contributions (AVCs)
• cash balance

It also supports pensions that include a combination of benefit types and schemes affected by McCloud remedy, where we display both the legacy and alternative values.

How many users are testing dashboards

We are continuing to test with thousands of users each month, and we intend to build on these volumes gradually as we move towards launch.

We are monitoring the number of users signing up for testing and have measures in place to control the traffic flow. We may delay sending links to ensure that all parts of the ecosystem can cope with demand.

As part of efforts to recruit testers, we are gradually rolling out consumer-facing communications about the MoneyHelper Pensions Dashboard on channels such as the MoneyHelper website and social media channels, alongside communications from industry, partners or other organisations who are helping recruit testers.

These communications currently focus on early access to a service that is still in development, supporting our approach of gradually increasing tester volumes as we move closer to launch.

This measured approach means we can maintain a high-quality testing experience and gather robust insights at every stage, while keeping consumer safety and support at the forefront.

Between March and June over 11,000 pension matches were registered for nearly 3,000 users.

How you can help test pensions dashboards

You can support the testing of pensions dashboards by helping recruit testers or by signing up to test the service yourself. Insights from testing help us improve the service before it becomes publicly available. See how you can help test dashboards.

Invite your customers, members, clients, employees or other contacts to try the dashboard using readymade images and messages we’re providing in a comms toolkit.

Industry testing

If you work in the pensions industry, you can sign up to test the dashboard yourself using the same process as consumers.

To test the dashboard independently and check their own data is displaying correctly, we have also been piloting a self-serve approach to industry expert testing for pension providers, schemes and administrators. They are encouraged to work with their directly connected organisation to resolve any issues. This is helping us to understand the benefits and limitations of industry testing. We will share more on this as the pilot develops.

Beyond these options, industry cannot see what information is being returned to an individual's dashboard, even to one of their own members or customers, due to the secure design of the ecosystem.

How to respond to user queries on dashboards

If you're already receiving queries on dashboards, you can use the interim guidance on communicating to members, produced by the Pensions Administration Standards Association (PASA). This helps administrators, providers and service centres respond clearly and consistently to member enquiries about pensions dashboards.

Research findings – how users experience the dashboard

Although testing so far has involved a wide range of users, the sample has not been nationally representative. Individuals have been selected to meet testing needs. For example, this purposive sampling has included Welsh language users, users with digital access needs, and users from different demographics.

How testers have been recruited so far should also be kept in mind when interpreting findings. Many testers were recruited through pension providers and schemes who invited their customers and members. These individuals may be more engaged with pensions than the general population, which could affect their behaviour and views of the dashboard.

As at July 2026, key findings include:

Most users have a positive experience

There are high levels of customer satisfaction and advocacy, with most users happy to recommend it.

The vast majority enter their National Insurance number

Over 95% of users enter their National Insurance number when prompted. This increases the likelihood that they'll get a definite match to their pension records.

Most matches to pension records are ‘definite matches’

Around 80% of pension matches are initially registered as 'definite match', where the pension provider or scheme is certain that the pension record belongs to the relevant individual. The remaining 20% are ‘possible matches’, where the user needs to give the pension provider or scheme more information to check the record belongs to them, before they can see their pension information through a dashboard.

Most users get definite matches

Between March and June, for visits that reached the pensions results page:

• 92% had at least one ‘confirmed pension’: Where a definite match has been made and the available pensions information is returned immediately.
• 37% had at least one ‘pending pension’: A definite matched pension waiting for values to be calculated.
• 31% had a ‘pension that needs action’: Where the user needs to contact the provider or scheme before they can see their pensions information, or they need to provide additional information to confirm whether a pension belongs to them.

The 3 pension status design needed improvement

The design initially showed confirmed pensions in green, pending pensions in amber, and pensions needing action in red.

Users were initially confused or anxious about pensions shown as ‘needing action’, shown in red. ‘Pensions that need action’ might belong to the user, but they need to contact the provider or scheme with more information to confirm whether it belongs to them. The design was changed to remove the colour indicators and to improve instructions about what users should do next.

Subsequent testing suggests this reduced confusion and anxiety, although there are still some questions on the ‘pensions that need action’ channel. This will be monitored and iterated as necessary based on research.

Find out more about the 3 pension status categories. These designs will continue to be evaluated through user testing.

Intended next steps varied

In the exit survey, the top 3 most common intended next steps were:

• ‘no planned action
• ‘monitor/review’
• ‘contact provider’

'Consolidate pensions' and 'retirement planning' were also common intentions.

Where users wanted to contact a provider, the main reasons were following up a pension needing action, asking about a missing pension, updating personal details or getting a more up-to-date valuation.

Valuation dates need clarification and recent values are helpful

Research showed that some users didn't understand valuation dates and how they were calculated. These are the dates to which their pension values are calculated, with those values being returned to dashboards.

The design was changed to replace 'Valuation date' with ‘Calculation date’, alongside additional information about how it is calculated. We will continue to iterate these designs based on user feedback.

Initial feedback from users showed that some see valuations as out-of-date. Based on this feedback, we expect that more recent values from providers and schemes would be beneficial to users.

Support for assisted digital users increased trust

In-person sessions run for people who told us they needed support for digital services were delivered in a local Citizens Advice office and significantly increased participants' trust in the service. They were comfortable sharing their pensions information and discussing their financial situation. Finding lost pensions was a strong motivation for them – more so than broader financial planning.

Welsh language users switched between languages

Research showed content generally worked well but participants did switch language to check translations to support comprehension of it.

Future research areas

We have commissioned social research, which includes research with a large, nationally representative sample of users. This will give us more insights into how users interact with the dashboard, and will evaluate what users go on to do after they've used the service. Findings from this report will be shared with industry in due course.

We are working to understand where users drop out of the journey, how often they return, how people react to their total estimated retirement income, and what they actually go on to do after using the dashboard. The next research phases are intended to fill those gaps.

Published research and updates

Publications, reports and webinars on pensions dashboards, including updates on user research.

• Progress update reports
• July 2026 – Progress update report and research findings for the MoneyHelper Pensions Dashboard
• May 2026 – Phase 1 research findings for the MoneyHelper Pensions Dashboard
• March 2026 – MoneyHelper Pensions Dashboard phase 2 testing begins
• October 2025 – MoneyHelper Pensions Dashboard update: Low volume testing begins
• July 2025 – Consumer testing approach: MoneyHelper Pensions Dashboard

Private sector dashboards extend the potential reach of pensions dashboards by allowing them to be positioned in digital spaces that people already use. The pensions dashboards ecosystem is designed to enable multiple dashboards to operate.

Engagement of private sector dashboards is already underway, including a Private Sector Dashboards Working Group being established following a consultation on engagement.

When will private sector dashboards become available?

As announced by the Department for Work and Pensions (DWP), the MoneyHelper dashboard will launch first, with private sector dashboards coming later. This provides the opportunity for learning from user testing and enables the prioritisation of completing the connection of providers and schemes and the launch of the MoneyHelper dashboard.

The Minister for Pensions has reiterated the government’s commitment to private sector dashboards and we continue to prepare the infrastructure for their connection and launch.

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