🇬🇧 Built for UK Investors

Learn Money.
Build Wealth.

The UK's most comprehensive personal finance education app. Lessons, quizzes, AI coaching, budget tracking — and a weekly competition with real prizes.

App Store — Free See what's inside →
9:41 ●●● 📶 🔋
Good morning 👋
Alex
LEVEL 4 · 342 XP 58/100 ⚡
🔥 7
STREAK
📖 6/11
LESSONS
🏆 9
BADGES
🧠
Daily Challenge
Tap to answer · +25 XP
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Home
📚
Learn
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Quiz
🔧
Tools
🤖
Coach
11
Deep-dive lessons
60+
Quiz questions
5
Financial calculators
£0
To get started
Everything you need

Finance education,
done properly.

Not generic money advice. Specific, UK-focused education across investing, pensions, ISAs, mortgages, tax, and more.

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11 Deep-Dive Lessons
From saving basics to the 60% tax trap. Each lesson adapts to your level — Kids, Teens, or Adults — with real UK examples and pro tips.
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AI Financial Coach
Ask anything about ISAs, pensions, mortgages, or scams. Get expert-level answers tailored to the UK tax system, 24/7.
👑 PRO
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60+ Quiz Questions
Easy, Medium, and Hard difficulty. From "What is an ISA?" to pension carry-forward rules and the MPAA trap.
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Budget Tracker
Log income and expenses, see your savings rate, track subscriptions, and get smart spending insights every month.
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5 Calculators
Compound interest, mortgage, savings rate, emergency fund, FI number, ISA tracker, and LISA calculator — all in one place.
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Weekly Competition
Earn XP through lessons and quizzes. Top 3 users each week win real prizes — including Pro membership and (coming soon) free shares.
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Live Market Ticker
FTSE 100, FTSE 250, GBP/USD, gold, crypto and more on your home screen. Customise your watchlist with 30+ markets.
❤️
Financial Health Score
A 6-category assessment covering savings, debt, pension, protection, investing, and budgeting. With a personalised action plan.
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Net Worth Tracker
Track assets and liabilities — ISAs, pensions, property, savings, mortgages. See your true financial position at a glance.
The curriculum

UK finance,
cover to cover.

Every lesson adapts to your age group. Kids get simple analogies. Adults get full technical depth, UK tax examples, and pro tips.

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Saving Basics
Foundations+15 XP
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Compound Interest
Foundations+20 XP
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Investing Basics
Investing+20 XP
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Risk & Diversification
Investing+20 XP
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Pensions & ISAs
Tax & Retirement+25 XP
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Property & Mortgages
Property+25 XP
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Debt & Credit
Foundations+15 XP
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The Stock Market
Investing+20 XP
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Insurance & Protection
Foundations+20 XP
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Scams & Financial Fraud
Foundations+20 XP
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Credit Scores Explained
Foundations+15 XP
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Financial Decision Game
GameUp to +120 XP
AI Financial Coach

Ask anything.
Get expert answers.

Powered by Claude AI — trained on UK financial context. ISAs, HMRC, pensions, mortgages, scams, the 60% tax trap. Ask in plain English, get clear actionable answers.

  • ✓ Unlimited questions, 24/7
  • ✓ UK-specific — ISAs, HMRC, FTSE, pension rules
  • ✓ Adapts to your age and situation
  • ✓ Not FCA advice — education that empowers you
🤖
AI Coach
● Online
Should I pay off my mortgage or invest in my ISA?
Great question — this is genuinely one of the most important financial decisions UK homeowners face. The maths depends on your mortgage rate vs expected investment returns.

If your mortgage rate is under 4%, investing in a Stocks & Shares ISA at 7% historically wins over the long term. Above 4-5%, it's closer.

But here's the key: ISA allowances are use-it-or-lose-it. You can always overpay your mortgage later — you can never reclaim a missed ISA year. 💡
What about the 60% tax trap?
Between £100,000–£125,140, your Personal Allowance is withdrawn — creating an effective 60% marginal tax rate. A pension contribution reduces your Adjusted Net Income and can completely avoid this trap. It's the highest-leverage tax planning available to UK higher earners. 🎯
Simple pricing

Free to start.
Pro to unlock everything.

All the core learning tools are free. Pro unlocks the AI Coach, unlimited quizzes, and all features.

Free
£0
Forever free
  • Daily challenge question
  • 3 lessons
  • Basic quiz questions
  • Budget tracker
  • Market ticker
  • Financial health score
Download Free
BEST VALUE
Pro Annual
£1.67/month
Just £19.99/year · 7-day free trial
  • Everything in Free
  • AI Financial Coach (unlimited)
  • All 11 lessons + all ages
  • All 60+ quiz questions
  • All 8 game scenarios
  • 5 financial calculators
  • Goals tracker
  • Net worth tracker
  • All 25 badges
Start Free Trial

Cancel anytime. Billed annually via App Store. No hidden fees.

What people are saying

Real feedback from
real learners.

★★★★★
"Finally an app that explains ISAs and pensions in plain English. The AI Coach answered questions I was too embarrassed to ask a financial adviser."
👩
Sarah M.
London · NHS Nurse
★★★★★
"The compound interest lesson genuinely changed how I think about money. I immediately opened a Stocks & Shares ISA the same day."
👨
James T.
Manchester · Software Engineer
★★★★★
"I use the mortgage calculator every week checking rates. The 60% tax trap lesson saved me thousands — I had no idea it existed before this app."
👩
Priya K.
Birmingham · Accountant
Questions

Frequently asked.

Yes — the core app is completely free to download and use. Daily challenges, basic lessons, budget tracker, market ticker, and financial health score are all free. The Pro subscription (£19.99/year or £2.99/month) unlocks the AI Coach, all lessons, and all premium features. Start with a 7-day free trial.
No — Finance Academy is an educational app, not an FCA-regulated financial adviser. Everything in the app is educational content designed to help you understand personal finance. For significant decisions involving large sums of money, we always recommend consulting a qualified financial adviser.
Yes, entirely. All lessons, examples, and AI Coach answers are tailored to the UK — ISAs, HMRC tax rules, FTSE indices, pension auto-enrolment, Lifetime ISA, stamp duty, the 60% tax trap, and more. We use £ throughout and reference current 2024/25 tax year figures.
Anyone in the UK who wants to understand money better. The app has three depth settings — Kids (8–12), Teens (13–18), and Adults — so every lesson adapts to your level. Whether you're just starting out or want to understand salary sacrifice and carry-forward pension rules, there's depth for everyone.
Every week, the top 3 users by XP (earned through lessons, quizzes, daily challenges, and other activities) win prizes. Currently prizes include Pro membership. Coming in v1.2: real fractional shares from companies like Apple, Tesla, and the FTSE 100 ETF. No purchase necessary to enter.
Your personal financial data is stored locally on your device and never transmitted to our servers. The only data that leaves your device is your questions to the AI Coach (sent to Anthropic's API to generate responses). We do not sell data or show adverts.
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Start learning today.
It's free.

Join thousands of UK investors building real financial knowledge — one lesson at a time.

Download on App Store Google Play — Coming Soon