Pick your starting point
Rent coming in, a side hustle, dividends or a Self Assessment return? Prime is built for you. Just want everyday budgeting? Start with Simple. All tiers are free during beta — switching takes one click in Settings, and downgrading never deletes data.
Everyday personal finance. Know where your money goes.
Everything in Simple, plus Penny chat, live investments, and joint workspaces.
Everything in Plus, plus Properties, Tenancies, and the UK Self Assessment report. Built for landlords, contractors, freelancers, and anyone with income beyond PAYE.
Compare features
Higher tiers include everything below them.
| Feature | Simple | Plus | Prime |
|---|---|---|---|
| Everyday personal finance | |||
Auto-categorised transactions Merchant catalogue + your own history teach the categoriser as you go. | |||
Budgets + Savings targets Caps on spend categories and contribution targets, both live against real transactions. | |||
Bills calendar + 30-day cash projection Day-by-day cashflow against your liquid balance; flags low / overdraft days. | |||
Subscriptions audit + Unusual-activity flags Finds every recurring charge + duplicate / outlier transactions. | |||
Reminders + recurring detection Bills, MOT, ISA top-ups; subscribe via iCal to Google / Apple / Outlook. | |||
CSV statement import Drop a CSV from any UK bank — columns auto-detected, duplicates auto-flagged, balances reconciled. | |||
Penny tips + notices Deterministic nudges that fit your data, observational notices when something changes. No AI cost. | |||
Penny chat + deep workspace review Free-form conversation with Penny + on-demand structured review of your numbers. Backed by an LLM. | · | ||
| Reports & sharing | |||
Income & Spending, Money In & Out, Net Worth, Forecast The four core statements, bucketed by your pay period or tax year. | |||
Live Trading 212 portfolio view NAV, allocation, top movers, per-account positions and dividend history. | · | ||
Joint workspaces with role permissions Admin / user / viewer; multi-member governance for shared finances. | · | ||
Forecast snapshots + Forecasts vs Actuals Save a projection at a point in time, compare it to what actually happened. | · | ||
Receipt inbox + auto-match Bulk-upload receipts; OCR reads each total + date and lines up the matching transaction to confirm. | · | ||
Read-only sharing (adviser / partner) One click to grant view-only access; revoke any time. | · | ||
Print + CSV export everywhere Every report prints to A4 landscape; export any view to CSV. | · | ||
| Self Assessment & property | |||
UK Self Assessment summary File-ready figures by SA area; dividend-aware bands; payment-on-account. | · | · | |
Properties + Units + Tenancies Group rentals, owner-occupied homes, HMO rooms; per-tenant history. | · | · | |
Per-tenancy income tracking Tag rent to a specific tenant; date-based auto-attribution. | · | · | |
Rent-a-Room scheme (£7,500 allowance) Auto-picks the better of allowance vs allowable expenses each tax year. | · | · | |
Compliance reminders (CP12, EICR, EPC) Property-specific obligations with statutory cadences pre-set. | · | · | |
Property documents (agreements, certs) Upload + categorise tenancy agreements, gas-safety certs, EPC, insurance. | · | · | |
| Free during beta. Switch tier any time from Settings. | Start free | Start with Plus | Start with Prime |
Your broker keys and security codes are encrypted on the server. Sessions live server-side and you can sign every other device out in one click. Optional two-step sign-in (Google Authenticator, 1Password, Microsoft Authenticator, Bitwarden) blocks email-takeover attacks. Your data sits in your workspace. No ad targeting, no data sales, no model training. Export everything whenever you want, and delete your account with one click.
Sign up, import a CSV, and see your income & spending in five minutes.