Enter data in Accounts Planner to see this month's money flow
📅 Events This Month
No upcoming events
🚗 Vehicle Dates
Add vehicles to track dates
📈 Last 6 Months
Load data for multiple months to see the trend
📊 Account Balances
Enter data to see balances
💵 Cash Flow Forecast next 4 weeks
Enter income & account data to see cash flow forecast
📋 Bills Tracker
Drop your main account bank CSV files to analyse income & outgoings
📂
Drop CSV files here
or tap to browse · supports multiple files at once
💳 Spending Tracker
Drop your spending account CSV files to track where your money goes
💳
Drop CSV files here
or tap to browse · supports multiple files at once
📅 Accounts Planner
Enter this month's wages and bills together — just like your old spreadsheet. For example, in the May tab: enter the wages you were paid on 27th/28th April, plus all of May's bills. That's the money that pays those bills.
2026
All changes saved locally
💳 Credit Cards
Track balances, interest and pay-off timelines
Total Balance
£0.00
Monthly Interest
£0.00
Available Credit
£0.00
➕ Add Credit Card
⚡ EV Charging
Track home and public charging sessions
Total Spent
£0.00
Total kWh
0
Sessions
0
Avg Cost/kWh
0p
Loading...
All sessions • 0 this month
Cost This Month
£0.00
kWh Added
0
Home Cost
£0.00
Public Cost
£0.00
🏠 Home vs ⚡ Public Split
Log sessions to see split
➕ Log Charging Session
Total Session Cost
£2.10
30.0 kWh × 7.0p = £2.10
Tap Log to save this session
💸 Debt Tracker
Manage multiple loans and borrowings. Overpay to see how much you save.
Total Borrowed
£0.00
Monthly Payments
£0.00
Total Interest
£0.00
Debt-Free Date
—
➕ Add Loan
🎯 Savings Goals
Track progress towards your savings targets
Total Saved
£0.00
Total Target
£0.00
Overall Progress
0%
➕ Add Savings Goal
🚗 Vehicles
Track MOT, service, insurance and road tax dates. Tap any date to update it.
➕ Add Vehicle
📅 Calendar
Add and track events, reminders and important dates
🔧 Tools & Calculators
Drag sliders for instant results
⚡ EV Trip Cost
kWh needed
-
Home cost
-
Public cost
-
You save
-
🔄 EV vs Petrol Annual
EV annual
-
Petrol annual
-
You save/yr
-
💰 Loan Overpayment
Normal payoff
-
With extra
-
Months saved
-
Interest saved
-
🏎 Debt Payoff Race — see how extra payments accelerate freedom
📈 Net Worth Tracker
Your total financial picture — assets minus liabilities over time
Total Assets
—
Total Liabilities
—
Net Worth
—
Debt-to-Asset
—
💰 Assets
💸 Liabilities
📊 Monthly Net Worth Timeline
Snapshot recorded each time you view this page
Add assets & liabilities above to track your net worth
📄 UK Tax Year Summary
April to April — income, deductions & self-assessment estimate
Gross Income
—
this tax year
Est. Income Tax
—
rough estimate
Personal Allowance
£12,570
2024/25
Effective Rate
—
of gross income
💷 Income Sources (This Tax Year)
Auto-calculated from your Accounts Planner. Tax year = April–March.
Load Accounts Planner data to see income breakdown
📊 Tax Band Breakdown
England & Wales rates 2024/25
⚠️ Disclaimer
This is a simplified estimate only. It does not account for pension contributions, National Insurance, allowances, or reliefs. Consult HMRC or an accountant for accuracy.
📅 Monthly Income — Tax Year View
📱 Subscription Radar
All your recurring subscriptions — monthly & annual cost at a glance
Monthly Total
—
Annual Total
—
Subscriptions
0
Creep Score
—
vs last year estimate
📈 Subscription Creep
How much your subscriptions have grown (based on count × avg)
Low creepHigh creep
+ Add Subscription
🤖 AI Finance Coach
Powered by Claude — reads your real financial data
✔ Worker connected
⭐ My Saved Questions
No saved questions yet
🤖
Hello! I'm your AI Finance Coach.
I can see all your financial data — spending, debt, goals, EV costs, subscriptions, net worth and your full transaction history.
Tap a quick question above or type anything below.
Responses generated by Claude AI · Your data stays in your browser