Our mission

Our mission is to find what really works in supporting people to be financially secure, both today and into retirement, and to drive transformational change in the system.

We build and amplify deep, rigorous insight into the lived experience of low- and moderate-income households, seeking to better understand how people actually earn, spend, save, cope with the unexpected, and invest for the future.

We develop innovative solutions grounded in that understanding. We test them in the real world. We gather robust, rounded evidence about what genuinely makes a difference. And throughout, we work with the people who have the power to act – industry, employers and government – to turn that evidence into lasting change; informing decisions and catalysing the adoption of what works at scale. We work inclusively and collaboratively across boundaries and silos, because we know no single organisation can deliver this kind of change alone.

We are building towards a fairer and more inclusive system of joined-up products and services that meet people where they are, support their diverse needs and make it easier for them to achieve good outcomes. Getting this right and improving household financial security can unlock greater individual wellbeing, social participation and economic growth.

Discover more about our strategy and what we do.

Resilience

Financial emergencies like a household appliance breaking down, or a change in the household’s income, are unavoidable. One quarter of adults in the UK have less than £100 in savings – leaving them vulnerable at these moments. We explore ways to build much-needed flexibility into the system, including in payroll practices and access to insurance and affordable credit.

Saving

Helping people be more resilient helps them carve out the time, money and headspace to save. Saving, in turn, makes them more secure and creates a platform for longer-term security. We work with major employers and solution providers to develop and trial workplace savings approaches which increase participation rates and make sure nobody is left behind.

Lifelong financial security

We work to support people to build financial security throughout life, both before and in retirement. This can be achieved through pension saving, secure long-term housing, and other forms of investment and saving. We find ways to make the financial system more inclusive for people who are self-employed or work for smaller businesses, as well as for those who encounter particular challenges.

How we are funded

Our work is funded by a combination of sponsorships, grants and in-kind support from organisations that share our values. By forming partnerships and working together, we believe our work will make a difference to millions of people.

Nest Corporation

Inclusive Money was set up by Nest, the workplace pension provider built to give everyday workers somewhere good to save – already supporting more than 14 million people to plan for the future. Nest Corporation is the Trustee of Nest. It was established by legislation as a public corporation to run the Nest pension scheme. Nest Corporation is accountable to Parliament through the Department for Work and Pensions but is generally independent of government in its day-to-day decisions.

Our impact

Throughout our organisational life, our work has influenced policy development and is frequently cited as an evidence base for action for low and moderate income workers by thinktanks, industry bodies and providers including the FCA, Resolution Foundation, the Pensions and Lifetime Savings Association, and the MaPS UK financial wellbeing strategy.

About Us