Three jobs: show you where you stand, model what's coming, and tell you what to do next. Add your accounts in two minutes.
Free plan covers the basics. Paid plan unlocks 30-year projections and Monte Carlo.
Start with your net worth. It's the number that matters most.
Try the trackerSee what your pension might actually give you. Probably more than you think.
Plan your retirementAdd your accounts and see your financial future. Surprising for most people.
Forecast your cash flowGrouped by what you might be wondering.
Right-now clarity on what you have and what you owe.
Everything you own and everything you owe, in one number. The single most useful figure in personal finance.
Track every UK pension in one place. State pension, workplace, SIPP, old plans from previous jobs.
UK retirement planning, modelled against your full financial life. Not in isolation.
Affordability, mortgages and stamp duty in one place. See the impact on everything else before you commit.
Set financial goals and track progress. House deposit, pension contributions, emergency fund.
Projections and scenarios for the next 30 years.
Add your accounts and see where your finances go over the next 30 years.
Career changes, redundancy, moving house, taking a year off. See how each plays out before you commit.
Monte Carlo simulation runs thousands of possible futures. See probability of success, not a single optimistic number.
Personalised insights from your actual data. Not generic tips. UK-specific recommendations.
Day-to-day tracking that connects to the bigger picture.
See exactly where your spending goes each month. Custom categories, real-time alerts, monthly reports that make sense.
Automatic categorisation of your transactions. No manual sorting. Clear insights into your habits.
See money come in and money go out, projected forward. No more end-of-month surprises.
Intelligent categorisation that learns from your corrections. Save hours of manual work.
Investing and long-term wealth building.
Track investments across ISAs, SIPPs and pensions. See whether they are doing what you need them to do.
See how your income becomes property, investments and pension. The compounding nobody tells you about.
Calculate your path to financial independence. See when your savings could replace your salary.
Budget, track, invest and plan together. No more switching between apps to see the full picture.
Bring everything together in one coherent plan. Budget, investments, goals and retirement. All connected.
For when you want to go deeper. Test your plans against thousands of possible futures.
Three guides visitors to this page go on to read most often:
The honest way to benchmark yourself, without the spreadsheet and without paying £200 an hour.
Read itPlain-English framework for when to pay for one, when not to, and what to ask.
Read itThe first 30 days, the right order of decisions, and what to avoid.
Read it