ISAs, workplace pensions, HMRC, Monzo, Starling, student loans and the cost of living — practical guides in pounds for 2026.
A practical UK budgeting guide for 2026. Council Tax, energy bills, student loan repayments, and how to budget realistically on a UK salary in different cities.
How to apply the 50/30/20 budget rule with UK take-home pay after income tax and National Insurance — and why London rent makes the maths very difficult.
How much emergency fund you need in pounds, where to keep it in 2026 (easy-access savings, Premium Bonds, Marcus), and why your bank's savings rate is probably terrible.
How UK inflation affects your budget and what you can do about it. Premium Bonds, NS&I, index-linked savings certificates, and the best inflation-beating options in 2026.
How UK credit scores work across the three agencies, what affects your score, and the practical steps to improve it for mortgages, credit cards, and renting.
The complete financial guide for self-employed and freelance workers in the UK. Class 2/4 NI, Self Assessment, allowable expenses, and the pension options available to you.
If you earn money outside your main job in the UK, you may need to complete a Self Assessment tax return. How the £1,000 trading allowance works, what to declare, and when.
Comparing the top budgeting apps for UK residents in 2026. Which apps work with UK banks, support Open Banking, and actually help you spend less.
Comparing the best UK bank accounts in 2026. Monzo, Starling, Chase UK, and whether the big four banks still make sense for anyone.
The UK student loan system explained clearly. Plan 1, 2, and 5 repayment thresholds, whether you should overpay, and the 30-year write-off most graduates don't know about.
How to tackle debt in the UK in 2026. Credit card APRs, personal loan rates, the avalanche vs snowball debate, and what to do if you're struggling.
How to start investing in index funds in the UK in 2026. The best platforms, FTSE All-World vs S&P 500 vs FTSE 100, expense ratios, and why to invest inside an ISA.
How to buy your first home in the UK in 2026. Mortgage deposits, Lifetime ISA bonus, Shared Ownership, Stamp Duty, and the salary multiple problem.
The complete guide to ISAs in the UK. Which type to open, the £20,000 annual allowance, and why most people are leaving tax-free growth on the table.
How workplace pension auto-enrolment works in the UK, the minimum contributions, employer matching, and why you should almost always contribute more than the minimum.
The habits that consistently separate those who build financial security from those who don't — in the specific context of the UK tax system, ISA wrappers, and workplace pensions.
Practical frugality for UK residents in 2026. The big savings from housing and transport dwarf small cuts — but both matter when UK salaries are stretched.
The psychological patterns that sabotage UK finances. Lifestyle inflation, the housing obsession, class and money, and why British people find talking about money so difficult.
Financial Independence, Retire Early in the UK context. ISA vs SIPP for FIRE, the 4% rule in pounds, state pension implications, and the Coast FIRE variant.
How Generation Z in the UK is approaching personal finance differently. The housing crisis, auto-enrolment pensions, investing via apps, and the challenges unique to this generation.
How much does it actually cost to live in the UK in 2026? Rent by city, Council Tax, energy bills and the real cost gap between London and everywhere else.
Financial health diagnosis based on CFPB methodology adapted to the UK. Free 10-question test, 0-100 score, personalised plan. ONS Living Costs data.
Money personality test based on Klontz's Money Scripts adapted to the UK. 4 profiles, 10 questions, personalised plan.
Your biological age says nothing about your financial health. Your financial age does. Based on ONS and Bank of England data. Free test.
Your Debt Service Ratio (DSR) according to FCA. If you pay 36%+ of income to debt, action needed. StepChange and Citizens Advice.
The average Briton loses £200-600 per month in invisible money leaks. Detect yours in 2 minutes. Free test with personalised plan.
Measure your financial resilience using FINRA Foundation methodology. Universal Credit, NHS, redundancy pay. Free test.
Calculate your real financial independence age with FIRE methodology adapted to the UK. ISA, LISA, SIPP, workplace pension. Free test.
Identify your investor profile with FCA + Markowitz methodology. 4 profiles, model portfolios, UK market instruments.
Measure your financial literacy with Lusardi-Mitchell methodology adapted to the UK. 10 questions, 0-100 score, personalised plan.
We cross your data with ONS Wealth and Assets Survey to calculate your real percentile vs Britons like you. Free test + plan.
Personal finance app for the UK. Budgets in pounds, savings goals and expense tracking — no bank sync, no ads, no upsells.
Start 7-day free trialNo card required · One-time payment USD $19.90
10 research-backed tools (CFPB, Klontz, FINRA, Trinity Study). No sign-up required. PDF report sent to your inbox.
Measure your financial wellbeing (FCA-aligned) in 2 minutes.
StartPlanner, Saver, Spender or Avoider (Klontz).
StartHow old is your money? See the gap vs. your real age.
StartWork out your debt-to-income ratio. Are you in the safe zone?
StartSpot the small daily spends draining hundreds of pounds a month.
StartIf you were made redundant tomorrow, how long would you last?
StartAt what age could you retire early? Trinity Study.
StartCautious, balanced or adventurous? (Markowitz).
StartYour financial literacy score (Lusardi-Mitchell).
StartSee how you rank vs. your peers (ONS data).
Start