See what your household can spend once the bills are paid, starting with the accounts you already have.
Upload a statement from any UK bank for free. See what's safe to spend after fixed bills, then plan debts, goals and pay in the same place. Sharing with a partner is coming soon.
Start freePersonal is free forever.
The money questions a household keeps coming back to, answered from your own numbers.
Every paydayHow much is actually spare?Safe to spend shows what's left of your take-home once fixed bills clear.See budgets and goals Every monthThree banking apps and a running total in your headEvery account in one list. Statements are free to upload, and a live feed is £2 a month per account.See net worth The recurring argumentWhich debt do we clear first?Compare Avalanche, Snowball and biggest first, with a debt-free date and the interest an extra payment saves.See debts Saving for something bigHow long until the deposit is there?Goals show how far you've got, and a funding plan splits each month's surplus between them.See budgets and goals A pay rise or a new jobWhat will we actually take home?Change the salary, pension, bonus or student loan and see take-home before and after, with the tax.See tax on your decisions One of you earns over £60,000Do we owe some Child Benefit back?The Self Assessment return asks about Child Benefit and works out the High Income Child Benefit Charge for you.See the tax return
Settle the debt argument with a date, not a feeling.
Put in your debts once. Switch strategy and the payoff order, debt-free date and interest saved change with it, so you can pick the one you’ll both stick to.
- Include the mortgage in the plan, or leave it out.
- Free for every Personal account.
Coming soon
Household mode lets two people share what they choose, and keep the rest private.
Invite your partner by email. Shared budgets, bills and goals are visible to both of you, and personal accounts stay private unless you choose to share them. It isn’t available yet. Until it is, each of you can keep your own free account.
Tell me when household mode arrives
How will you share money?
Fully Separate
Your own money, side by side in one household.
Visibility Only
See each other's picture without combining anything.
Joint + Individual
Shared bills and goals, with your own money kept apart.
Fully Merged
One pot, one budget, planned together.
Invite asMemberViewerAdmin
Start with one statement
A PDF or CSV from any UK bank. Free, and no bank login needed.
It never moralises
The arithmetic and what it means, never a red warning because you bought something nice.
Your data is yours
Download everything from your profile whenever you like. We don't sell it or share it with advertisers.
Common questions
Can my partner and I share one account?
Not yet. Household mode is coming soon and will let you invite each other. Until then, each of you can have your own free Personal account.
Is it really free?
Yes. Personal is free forever, and uploading statements is free. A live bank feed is £2 a month per account if you'd rather not upload.
Can it move money between our accounts?
No. Bank feeds are read-only and can't move money. You stay in charge of every payment.
Does it cover pensions?
You can add your pensions to your net worth today. Retirement planning, with a projection of what they'll produce, is coming soon.