30 days free on the full app — then £2.99/month. Cancel anytime.
A calm guide to your money

Make every pound do something.

A quietly powerful app for the people who'd rather control their money than feel controlled by it. Free to start. Stay free as long as you like.

No signup for Level 1
30-day free trial
Cancel anytime
Monthly planner
£0 balanced
Income £1,730
Investments £173
Savings £55
Fixed costs £913
Fun money £500
How it works

Three steps. No spreadsheets.

No signups, no pop-ups, no chasing transactions. Open the app, work through the lessons, and your money starts running itself.

01
Open the app
No login, no email, no friction. Start using Level 1 the moment you arrive — see exactly where you stand and build your first plan.
02
Work the system
Short, calm lessons walk you through every category. Map your accounts, set up your pots, pay down debt, and balance to zero each month.
03
Go further
When you're ready, unlock Level 2 and beyond — the full course on saving, investing, and putting your money on autopilot.
Inside the app

Built around what actually works.

No flashy dashboards, no bank linking, no AI promising to "transform" your finances. Just the tools that move the needle, designed to be calm to use.

📋
Live monthly planner
Zero-based budgeting, balanced to the pound. Every category live and editable, with the maths handled for you.
📖
Calm, structured lessons
Short, plainly written lessons that explain the why behind every category — not just the how.
🪣
Pots and savings goals
Set up purpose-built pots for everything from Christmas to your emergency fund. Watch each one fill on its own.
⚖️
Debt snowball, sorted
List every debt in one place, drag them into snowball order, and watch the plan with an actual end date take shape.
📊
Twelve months at a glance
Log a month with one click. The whole year builds into a clear, honest record of how you actually spend.
🔒
Private by default
Your numbers live in your browser. No server. No tracking. No bank linking. Nothing to leak.
Pricing

Free forever, or go all in.

Use Level 1 for as long as you like. Upgrade only when you're ready for the rest.

Free
Level 1
The Foundations
£0 forever
  • Live monthly planner
  • Set up your pots and savings
  • 3 foundational lessons
  • Private by default — data stays in your browser
  • No signup, no email, no nonsense
Open the app →
No card needed.
Why this exists

I built this because nothing else worked for me.

I tried every budgeting app. Linked my bank a hundred times. Watched the dashboards light up with categories that didn't really mean anything. Then I'd close them and nothing would change.

What worked, eventually, was something simpler. Tell every pound where to go before the month starts. Sort out debt on a real plan. Save for things you actually want. Invest a small amount, every month, forever.

The app is that system, made into a tool that's calm to use. Free for as long as you want it to be — and £2.99 a month if you want the full course behind it.

Questions

Sensible questions, sensible answers.

Do I need to sign up to use the app?

No. Level 1 is completely free, with no signup, no email, no card. You just open the app and use it. We only ask for payment details if you decide to unlock Level 2 and beyond.

What's actually free, and what costs £2.99?

Level 1 — the planner, your pots, the first three foundational lessons — is free forever. Level 2 onwards (emergency fund, full debt system, saving, investing, automation, and every future lesson I add) is £2.99/month. The first 30 days are free.

Can I cancel anytime?

Yes — anytime, no questions, no hoops. Click cancel in your account portal and that's it. Your data stays in your browser, so cancelling doesn't delete your records.

Is my financial data safe?

Yes. Your numbers live in your browser only — nothing is sent to a server, nothing is stored remotely, no bank linking. The app works entirely on your device. You can also download a backup of your data at any time.

Will the app keep getting updates?

Yes — that's the whole point of the subscription. New lessons, new features, and improvements roll out continuously. Subscribers get every new lesson at no extra cost.

Can I use it on my phone?

Yes — it runs in your browser, so it works on phone, tablet and laptop. Open the same site on each device. (Because data lives locally, each device has its own records — most people do their planning on one main device.)

Who's behind this?

Just me — someone who spent years figuring this out the hard way, and built the system I wished had existed. No team, no investors, no agenda. Just an app that does the job, at a price that doesn't sting.

Stop wondering where it all went.

Start the month knowing exactly where every pound is going. End the month knowing it got there.

Open the app — free →