UK personal finance

Your money. Finally clear.

Practical tools built for UK earners. See where your money goes, track your debt, and build a buffer that holds.

Check your money health in 5 minutes Map your cash flow

Free tools. Email unlocks results.UK-specific. Built for UK earners.Runs entirely in your browser.

Dashboard

Example data

The sequence

Four steps. In this order.

Most money problems come from skipping a step. Start here, work in sequence, build the picture.

Map your cash flow

See what lands, what leaves, and what stays. Know your real monthly surplus before you decide what to do with it.

Your surplus numberOpen →

Clear your debt

See the share of your monthly income locked in minimum payments every month. Know which debts cost most and which to clear first.

Your Debt Drag scoreOpen →

Build a buffer

Three milestones from stretched to stable. Know where you are and how long each takes at your current pace.

Your months of coverOpen →

Grow what you keep

Enter what you have: pension, ISA, savings, property. Know your total, your trajectory, and what 10, 20 and 30 years of compound growth adds from here.

Your portfolio totalOpen →

From the articles

All articles →

Cash flow

Why your salary feels smaller every year and what to do about it

Fiscal drag quietly erodes the real value of your pay rise. Here is how to calculate how much your monthly pay actually went up and what to do with the difference.

James Warren20 May 20266 min read

Debt

100%

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income earners

£0

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