Research and analysis

Evaluation of the Help to Save scheme

HMRC commissioned Ipsos to undertake qualitative and quantitative research with users and eligible non-users of the Help to Save scheme.

• From: HM Revenue & Customs
• Published: 3 November 2025

Documents

Research report: Evaluation of Help to Save – Qualitative interviews with Users and eligible Non-users of Help to Save

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Executive summary: Evaluation of Help to Save – Quantitative results from Users and eligible Non-users

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Research report: Evaluation of Help to Save - Quantitative results from Users and eligible Non-users

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Synthesis report: qualitative and quantitative findings from Users and eligible Non-users of the Help to Save evaluation

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Details

HM Revenue and Customs (HMRC) commissioned research agency Ipsos to undertake qualitative and quantitative research with users and eligible non-users of the Help to Save scheme.

The overarching objective of the evaluation was to understand the impact of Help to Save on long-term savings behaviour and financial resilience of those who have used Help to Save. The evaluation questions were:

• has Help to Save encouraged new saving behaviours during the life of the account?

• has Help to Save instilled long-term saving behaviours amongst Users?

• has Help to Save prompted greater financial resilience amongst Users?

• why have some of those eligible for a Help to Save account not opened one?

Ipsos conducted 50 interviews with users and eligible non-users of Help to Save between September and November 2023, followed by 1,688 surveys between September 2024 and January 2025.

The views in this report are the authors’ own and do not necessarily reflect those of HMRC.

Published 3 November 2025