Our UK-First Design Philosophy

Many popular personal finance apps were built for the American market and adapted for the UK later. The result can be a product that thinks in dollars, assumes a US tax system and treats ISAs as an afterthought, with no idea of Student Loan Plan types, National Insurance or buy-to-let tax rules. Financial IQ is built for the UK from the start.

UK-first means designing around British financial life. Tax calculations use HMRC rates and thresholds. Bank connections use UK open banking. Amounts are in pounds, and the wording is British English.

The reason is accuracy. A tax estimate built on another country's rules can do real harm, because people make decisions on it. Focusing on one country in depth lets us build something that fits the financial lives of the people using it. You can see this in Tax intelligence.