Financial
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Know what’s safe to spend before you spend it.

Your accounts, bills, tax, debts and goals in one picture. Every number comes with a plain sentence telling you what it means for you this month.

Start freeSee how it works

Personal is free forever, needs no card and is built for UK tax, bills and banks.

Expected amount still to fund
£1,866

Set aside £467/mo to be ready for 31 January.

Lowest point £612 on 24 Nov, after Admiral leaves. That is £388 under your buffer for 4 days.

It answers the questions you actually ask, before you ask them.

Can I afford it?
£1,240

Safe to spend, after £1,129 committed bills.

Will I run short?
24 Nov

Lowest point £612, after Admiral leaves.

What will January cost me?
£467/mo

Set that aside and the tax bill is covered.

When am I clear?
Aug 2028

Debt-free, and £1,184 less interest than coasting.

Cashflow

See the tight week before you're in it.

Thirteen weeks ahead, built from the bills you actually pay and the income as it actually lands. When a week looks thin, it names the payment that causes it and by how much.

  • A range, not a promise. The shading comes from how your own money has behaved.
  • Set your own buffer and it tells you how many days you dip under it.
More about this
Balance forecast
The next 13 weeks
Cash today
£3,240
Projected (13 weeks)
£4,870
Lowest point
£612
Net movement
+£1,630
Your £1,000 bufferTodayNov24 NovDec

Shaded is the range your money could land in, from how your own bills and income have actually behaved.

Lowest point £612 on 24 Nov, after Admiral leaves. That is £388 under your buffer for 4 days.

Upcoming · What moves your balance
A
Admiral
24 Nov · car insurance
−£540
C
Council tax
1 Dec
−£142
N
Dividend
5 Dec · Northgate Digital
+£3,000
Live tax

Know January's bill in April.

Salary, dividends, rent and self-employment in one live tax position. It works out what to put aside each month, and what a dividend would cost you before you take it.

  • Confirmed, expected and scenario views, so you can plan without declaring anything.
  • The set-aside comes from a real provision pot, not a number you typed once and forgot.
More about this
Live tax position
Tax Year 2026/27 · Income Hub + synced Business facts
Forecast income
£48,570
Effective tax rate
7.9%
Estimate range
£3,630 to £4,010
Tax breakdown
Gross income£48,570
Taxable income£36,000
Income Tax£3,816
National Insurance£0
Total liability£3,816
Where this income comes from
Dividends £36,000Employment £12,570
Expected amount still to fund
£1,866
Set aside £467/mo to be ready.
Tax provision pot
£1,950 of £3,816
Save this position
Proposed additional dividend
£6,000planning only

£4,300 of it lands in the upper dividend rate. Take that part after 6 April and it costs £462 instead of £1,537.

If you own a company

Your company’s books and your personal tax finally talk to each other.

Link a company from Financial IQ Business and your salary, dividends, director’s loan and the company’s value arrive in Personal on the day they are booked.

Owe the company money? It shows what clearing it costs, band by band, and what waiting until April would save.

See the business side

Your accountant can see the company. They can never push data into your personal account.

BusinessNorthgate Digital
Payroll · Sep
Director's salary£1,047.50
Board minute · 12 Sep
Dividend declared£9,000
Bank · 19 Sep
Director drawing£3,800
Year-end accounts
Company value£62,000
Personal
Director’s loan · Northgate Digital
You currently owe the company £3,800.

This will normally need to be cleared by declaring a dividend or repaying it.

What would clearing this cost?
As at 29 Sep 2026 · From Northgate Digital’s ledger
Clearing it with a £3,800 dividend
Ordinary dividend rate (10.75%) on £1,700£183
Upper dividend rate (35.75%) on £2,100£751
Waiting until next tax year

A fresh £500 allowance, and the rest at the ordinary rate. Tax drops from £934 to £355.

Debt

Get a finish date, not a guilt trip.

Pick Avalanche or Snowball, add what you can spare each month, and see the date you're clear and the interest you keep. Then see what paying only the minimums would really cost.

  • A payoff order with a date against every card and loan.
  • Your debt-to-income ratio, and what lenders will make of it.
Debt to clear
£15,950
Debt-free by Aug 2028 · avg 16.9% APR
Balance forecastYour planMinimums only
First debt clearedHalfwayDebt-freeOct 2026Aug 2028Jul 2029
Your payoff order
  1. 1AmexClear Jan 2027
  2. 2BarclaycardClear Aug 2027
  3. 3Sofa loanClear Nov 2027
  4. 4Car loanClear Aug 2028
Interest saved vs minimums only
£1,184

and 11 months sooner by paying £200/mo extra

Budgets

Budget your way, or don't budget at all.

Six methods, from 50/30/20 to Anti-Budget. Switch whenever you like and keep your history. Safe to spend, your tax and your goals keep working either way.

More about this
  • 50 / 30 / 20
  • Zero-Based
  • Pay Yourself First
  • Envelope
  • No Method (Flexible)
  • Anti-Budget
Envelope · September
Hard limits per category. When it's gone, it's gone.
Left this month
£212
Groceries£318 of £450
Eating out£142 of £180
Transport£96 of £160
Shopping£171 of £150
Health & fitness£42 of £80
Entertainment£38 of £60
You’re over budget this month

Spending is £21 over plan, worth a quick rebalance.

Review budgets
Coming soon

Meet Q, who answers questions about your money from your own figures, arriving soon on Personal.

Ask in plain English and Q reads your accounts, bills, goals and tax position to answer, with the working shown. Anything that would change your records waits for you to say yes.

  • Every answer shows the figures it used.
  • Q can't move money, file anything or share your data.
  • Prefer Claude or ChatGPT? You'll be able to connect them to your figures too.
Email me when Q arrives

See everything you own, and share as much of it as you like.

Everything you own, minus what you owe.

Property, pensions, ISAs, cash and your company’s value, tracked month by month.

Net worth
£242,390
£562,740 owned£320,350 owed
Property
£412,000
Investments ISA and pension
£73,000
Business Value
Valuation · synced from FIQ Business · 29 Sep
£62,000
Cash & Savings
£15,740
Share money with people you trust.Coming soon

Choose what your partner sees. No shared passwords, and your own pots stay yours.

How you share money
Changes what household members can see
Fully Separate
Complete financial independence
Visibility Only
See each other's finances, manage separately
Joint + Individual
Shared accounts plus personal pots
Fully Merged
Complete household view
Members
MMarcusOwner
PPriyaMember
Invite sentInvite pending

Personal is free forever. You only pay for what you plug in.

Everything on this page is free, for good. Add a live bank feed or connect your own AI when you want them, and only for as long as you want them.

Personal
Freeforever
  • Safe to spend, bills and the 13-week forecast
  • Live tax position and set-aside
  • Debt payoff plans and all six budgeting methods
  • Net worth, goals and the company link
  • Upload bank statements to build your history
Start free
Add when you want them
Live bank feed

A live, automatic connection to one bank account, so transactions arrive on their own instead of you uploading statements. Priced per account.

£2 / month
Personal API

Let Claude, ChatGPT or your own agent read and update your records.

£4.99 / month
Your tax return

Built from your records and filed straight to HMRC. Salary, dividends, savings, investments and gains.

Launch price until 31 January 2027. Standard price £79.

£49 / year

Personal prices include VAT.

Run a company or rent out property? Business Pro is £19 / month plus VAT, with bank feeds and your personal API included.

See all pricing

Find out where you stand before the month decides for you.

Start freeSee pricing

Personal is free forever and needs no card. Figures on this page are sample data.