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Planning for your retirement has never been easier with your myRPS account

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Take control of your finances with MoneyFit’s new features

Jul 9, 2026
Your MoneyFit tool has some exciting new features. Find it now in your myRPS account.

 

What is MoneyFit? 
MoneyFit is a free, simple tool to help you take control of your personal finances. It offers practical tips for managing your money more effectively and ideas for possibly freeing-up a little more to contribute to your pension savings.  

It will also guide you towards further support and information if needed. 

You can visit the MoneyFit website directly or you’ll find it under ‘Planning for the future’ when you log into your myRPS account. 

How to use MoneyFit 
If it’s your first time using MoneyFit or it’s been a while since you used the tools, we recommend you start by getting your Financial Fitness Score, which you can then compare against the UK average. 

With this new feature, there are 9 simple questions to answer, and it takes less than 3 minutes to complete. There are no right or wrong answers, and you don’t need to log in as it’s completely anonymous.  

This will form the basis of your personal MoneyFit action plan, which includes targeted exercises to improve your confidence and decision-making, as well as Money Milestones for practical guidance and resources tailored to key life stages. 

New MoneyFit features 
Alongside the Financial Fitness Score, MoneyFit Exercises and Money Milestones, there are plenty more new features to try, including: 

  • MoneyFit Assistant – a new AI chatbot that can help you find the right guidance and support for your financial questions**.
  • Money & Mental Health – resources to help you understand your relationship with money and the impact that finances have on your mental health and wellbeing. 
  • Help & support – new specialist guidance from trusted support services. 
**As with all AI tools, such as ChatGPT and Gemini, you shouldn’t share any personal financial details with the AI MoneyFit Assistant. For personalised financial advice, please speak to an FCA-regulated adviser. 

How MoneyFit can help with your retirement planning 

You could use your personal MoneyFit action plan to think about the way you manage your money and possibly save more for life after work. 

Taking control of your financial wellbeing now, and making some small positive changes, may mean you can save more in the future. For a personalised estimate of how much you might need when you retire, try the Retirement Budgeting Calculator in your myRPS account.  

If you can afford to, you could pay more into your pension with  Additional Voluntary Contributions (AVCs). These are extra payments, on top of your normal pension contributions. The main AVC arrangement in the Railways Pension Scheme (RPS) is called BRASS. You can learn about how it works here. 

To see how contributing AVCs could make a difference to your retirement income, try experimenting with the pension planning tools in your myRPS account. 

  • Defined Benefit (DB) members can use the Pension Planner tool. 
  • Industry-Wide Defined Contribution (IWDC) members can use the Retirement Modeller. 
Before making any changes to your pension, you may want to take financial guidance or advice. You can find a list of trusted professionals here.