YOUR MONEY, WITH A PLAN

Build breathing room. Then build momentum.

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Monthly breathing room£0Complete your plan below

Starter safety fund0%£0 of £1,000

Forecast debt-free—Add your loan details

Your monthly plan

Use take-home amounts. Changes encrypt and save automatically.

Take-home income

Essential bills

Everyday spending

Consolidation payment

Loan balance

Loan APR

Emergency savings

Monthly sinking funds

This month

0 of 4 complete

Consolidation payment coveredKeep the payment automated just after payday. Safety transfer madeTransfer the planned amount. Sinking funds topped upPrepare for annual and irregular costs. Ten-minute money check-inCheck upcoming bills and spending—no judgement.

Payday split

Build the safety fund first while keeping debt moving.

Safety fund£0

Debt overpayment£0

Guilt-free£0

Safety fund70% Debt overpayment20% Guilt-free10%

Starter safety fund£0 / £1,000

Your first target is the greater of £1,000 or one month of essential costs.

Debt payoff forecast

Balance over time with your planned overpayment.

Enter a balance, APR and affordable payment to see the forecast.

Planned payment: £0/monthEst. interest: £0