Automated tools and guidance on saving, borrowing, ISAs and pensions - to help you make optimal decisions.
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Calculators
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Hi, Nina
OPTIMISE
Lifetime optimisations
+ £43,181
Save time. Build knowledge.
Maximise returns.
GUIDES
Knowledge
Easy-to-read, tailored guides with personalised examples to help you build knowledge.
CALCULATORS
Understanding
Interactive calculators that help you understand the impact of taking - or not taking - action.
AUTOMATION
Save time
A free-to-use app powered by open banking to bring all your finances into one place.
Set your goals and preferences to tailor the service to your individual needs.
Receive instant notifications when there's an opportunity to save money or generate returns.
GUIDANCE
Expert direction
Proprietary AI that understands you, your objectives, and your finances to produce tailored guidance.
PRODUCTS
Unbiased recommendations
Whole-of-market savings accounts, market-leading credit cards and loans, and investment funds from the worlds top providers.
Fully automated
SAVE
BORROW
INVEST
PENSION
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Hi, Sam
Hi, Sam
OPTIMISE
New optimisations
+ £1,770
Messages
! Your car MOT runs out in 19 days.
Optimisations
Save: + £1,584
Your net savings rate is 2.2% AER. We predict that switching accounts will leave you £1,584 better off over the year. Over 5 years this grows to £4,582.
Invest: + £186
Your savings are £3,211 above target. We predict that moving this money into your investment ISA would be worth an extra £186 a year, or £1,138 over 5 years.
How much to keep in savings
Your optimal amount
Find your optimal savings allocation. We'll help you know when it's best to save, when to overpay debt and when to invest.
Learn more
Where to keep it
Your optimal accounts
Our algorithms identify which combination of accounts will achieve the best return, after tax. Whole-of-the-market search. FSCS protected.
Learn more
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Hi, Alex
Hi, Alex
OPTIMISE
New optimisations
+ £4,092
Messages
! Your home insurance is due for
renewal in 27 days time.
Optimisations
Debt: + £4,035
Your savings are £3,138 above target. Consider using £2,019 to repay your credit card before the end of its 0% period.
Debt: £ Pending
If you choose not to repay your credit card, consider switching to a 0% rate. However, this will only save you £452 in interest.
Invest: + £57
Consider investing £1,119. Over a 5 year period we estimate the growth to be worth £353 more than putting the money into a savings account.
Portfolio
Net worth
£21,094.67
14.81%
Rate map
Balance (£)
Rate (% AER)
Debt overpayment zone
Savings zone
Rate map settings >
When to overpay
When to overpay debt
We compare the interest saved from overpaying and switching debt with the return from saving or investing.
Try our debt calculators
When to switch
When to switch it
Each day we automatically search the market for the best rates and notify you when you can save money.
Learn more
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Hi, Mo
OPTIMISE
New optimisations
+ £885
Messages
! You have £14,250 of this year's ISA allowance remaining.
Optimisations
Save: + £531
Your net savings rate is 2.9% AER. We predict that switching accounts will leave you £531 better off over the year. Over 5 years this grows to £3,152.
Invest: + £354
Your savings are £6,942 above target. We predict that moving this money into your investment ISA would be worth an extra £354 a year, or £2,191 over 5 years.
How much to invest
How much to invest
Get the right balance between saving, investing and making pension contributions to maximise return and achieve your goals.
Learn more
What to invest in
What to invest in
Understand your risk profile. Know when to use ISAs or LISAs. Leading investment funds from the world's top providers.
Try our investment calculators
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Hi, Jamie
Hi, Jamie
OPTIMISE
New optimisations
+ £16,435
Messages
! We predict that you'll repay your
student loan within the next six months.
Optimisations
Pensions + £16,200.00
You're currently paying 60% tax on £10,000 of your income. Using salary sacrifice you could increase your workplace pension fund by £20,000 while only reducing your take home pay by £3,800.
Energy + £234.88
We've found you a new energy tariff which will save you £234.88 a year.
Portfolio
Net worth
£1,418,271.13
14.81%
Understand the tax benefits
Understand tax benefits
Calculators that help you understand the benefit of pensions and how much you can invest into them each year.
Learn more
Interactive tools and guidance
Interactive tools
Personalised guides that help explain and quantify the benefits of workplace schemes, salary sacrifice and more.
Try our pension calculators
Packed full of features
BALANCES
TRANSACTIONS
NOTIFICAITONS
SUPPORT
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Net worth
£353,354.81
ASSETS - DEBTS
+ 148%
+£211,071
Portfolio
Current accounts
£1,264.21
Savings
£16,208.23
£5,369.41
£8,038.12
£2,800.70
Credit cards
- £ 1,912.60
Personal loans
- £10,564.25
Vehicles
£ 18,760.00
Property
£ 575,000.00
Mortgages
- £ 325,281.71
Investments
£ 21,696.93
Pension
£ 57,911.17
Everything in one place
Aggregation
Interest from savings can help your money grow, however overpaying debt, investing, or putting your money into a pension could be more beneficial.

Our service begins by looking at your goals and objectives, tax-allowances - such as ISA and LISAs, and market rates to determine your optimal savings balances.

With this information we create a benchmark rate that enables us to quantify the pros and cons of keeping your money savings, repaying debt or investing in other asset classes.
Sign up
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Current Account
£1,264.21
ASSET
Overdraft
£2,000
TRANSACTIONS
PRODUCT DETAILS
Tesco
£29.64
BP
£71.94
EE
£40.11
EDF Energy
£63.72
Saturday, 6 August
Tesco
£2.78
EE
£40.26
Budget management
Budget management
There's lots of financial products out there, and there can be some real benefits to having a variety of different accounts credit cards offer online purchse protection and other accounts can offer cashback on purchases, for example.

But having multiple account can make tracking your purchases time consuming or unnecessarily complicated.

Optimly allows users to search across all of their accounts in one query with advanced filtering by merchant, or category.
Sign up
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Fully automated & always on
Always on
One of the key aspects of our service is that it is autonomous. Each day we search the market to see if there is a better product, or combination of products.

We also monitor your savings balances to see if there's an opportunity to sweep excess funds into an account that pays a higher rate of interest.

You can set limits so you're only notified when the benefit of switching is significant enough to you, and at any time you can access our chat AI function for additional help and support.
Sign up
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Hi, Alex
OPTIMISE
New optimisations
+ £4,092
Messages
! Your home insurance is due for
renewal in 27 days time.
Optimisations
Debt: + £4,035
Your savings are £3,138 above target. Consider using £2,019 to repay your credit card before the end of its 0% period.
Debt: £ Pending
If you choose not to repay your credit card, consider switching to a 0% rate. However, this will only save you £452 in interest.
Invest: + £57
Consider investing £1,119. Over a 5 year period we estimate the growth to be worth £353 more than putting the money into a savings account.
Portfolio
Net worth
£21,094.67
14.81%
AI Chat
AI Chat
Graphics and calcualtors are very useful tools in assessing your options, but sometimes it can also helpful to chat through your options.

Our AI chat function offers you personalised guidance in simple language easy to understand language that explains why it's good to make a financinal decision, or even why its good not to make it.

At any time of day or night you can ask it a range of questions that relate to your own personal financial situation and get a clear response explaining a course of action along with supporting calculations.
Sign up
Helping you make good decisions
Find out more
Personalied guides
ALL GUIDES
COMPARE: SAVE OR INVEST
Should I save my money or should I invest it?
SAVE: LIFETIME ISAs
What are Lifetime ISAs? Are they right for me?
SAVE: TIME TO TARGET
How long and how much do I need to save to reach my target?
SAVE: EMERGENCY FUND
Everything there is to know about emergency funds.
SAVE: PREMIUM BONDS
What are premium bonds? Should I buy some?
SAVE: COMPOUND INTEREST
What is compound interest? Why is it important?
SAVE: GOAL
How much do I need to save each month to reach my goal?
SAVE: LISA ALLOWANCE
What is a lifetime ISA? Am I eligible to open one?
SAVE: GROSS AND AER
What is the difference between gross interest and AER?
SAVE: INFLATION
How can I protect my savings when inflation is high?
SAVE: LIFETIME ISAs
Should I open a LISA? Am I eligible to open one?
COMING SOON
What are bonds? How are they different to savings accounts?
BORROW: CREDIT CARDS
What is the minimum payment on my credit card?
COMING SOON
Should I overpay my student loan?
COMING SOON
How can I compare the cost of a tracker and fixed rate mortgate?
COMING SOON
How do I choose between two fixed rate mortgages?
COMING SOON
What is APRC?
COMING SOON
How long will it take for me to repay my credit card?
COMING SOON
How do I choose the right stocks or bonds to invest in?
COMING SOON
How can I evaluate the performance of my investments?
COMING SOON
Should I invest in individual stocks or mutual funds?
COMING SOON
What are the risks associated with investing?
COMING SOON
How much can I put into an investment ISA each year?
COMING SOON
How much do I need to invest to reach my target?
COMING SOON
What is asset allocation and why is it important?
COMING SOON
What are dividends, and how do they impact my returns?
COMING SOON
How much should I save into my pension?
COMING SOON
How long will my pension need to last for?
COMING SOON
What are my options for taking my pension when I retire?
Interactive calculators
ALL CALCULATORS
PREMIUM BONDS: RATE OF RETURN
Calcualtes your premium bond's rate of return for easy comparison.
SAVING ACCOUNT: GROSS TO AER
Calculates Annual Equivalent Rate by factoring in compound interest.
SAVING ACCOUNT: AER TO GROSS
Calculates the gross interest rate from Annual Equivalent Rate.
SAVINGS: LISA BENEFIT
Calculates the benefit, after tax, from saving into a LISA.
SAVINGS: LISA BENEFIT ADVANCED
Calculates the benefit, after tax, from saving into a LISA.
SAVINGS: TIME TO TARGET
How long it will take to reach a specific target.
SAVINGS: TIME TO TARGET ADVANCED
Time to reach target with multi-period interest rates and contributions.
SAVINGS: GOAL
How much you need to save each month to reach your goal.
SAVINGS: TARGET RATE REQUIRED
Determines the rate of return required to reach a future value.
SAVINGS: GOAL
How much you need to save each month to reach your goal.
SAVINGS: GROWTH
Calculates the growth on initial deposit and any regular contributions.
SAVINGS: GROWTH ADVANCED
Calculates savings growth. Multi-period interest rates and contributions.
SAVINGS: TIME TO DOUBLE
Calculates the time it will take for a balance to double in value.
COMPARE: SAVE OR INVEST
Simple savings and investment growth calculator.
COMPARE: SAVE OR INVEST ADVANCED
Growth calculator with advanced options.
DEBT: GROSS TO APR
Calculates the Annual Percentage Rate (APR) from nominal rate.
CREDIT CARD: TIME TO REPAY
Calculates time it will take to repay your card, just paying the minimum.
CREDIT CARD: SWTICH BENEFIT
Calculates the benefit of switching your credit card to better rate.
CREDIT CARD: SWTICH & OVERPAYMENT BENEFIT
Calculates the benefit of taking action.
FIXED RATE LOAN MODELLER
Calculates the monthly repayment amount for a fixed rate loan.
FIXED RATE LOAN: APR ESTIMATOR
Estimates APR based on initial amount, monthly payment, term.
STUDENT LOAN: REPAYMENT MODELLER
Models student loan repayment schedule.
STUDENT LOAN: OVERPAYMENT BENEFIT
Calculates the impact of making overpayments.
MORTGAGE: LOAN AMOUNT
Estimates the amount you may be able to borrow.
MORTGAGE: MONTHLY PAYMENT
Calculates the monthly payment amount for a fixed-rate mortgage.
MORTGAGE: OVERPAYMENT BENEFIT
Calculates the impact of a single or regular overpayment.
COMPARE TWO MORTGAGES
Compares two fixed-rate mortgages and decides which is best value.
MORTGAGE: SWITCH BENEFIT
Determines whether it is financially beneficial to pay penalty and switch.
PERSONAL: ISA ALLOWANCES
Calcualtes your ISA allowances (remaining) for the tax year.
INVEST: TIME TO GOAL ADVANCED
Time to reach target with multi-period growth rates and contributions.
PORTFOLIO RETURN
Money-weighted return (MWRR) to take into account the impact of cash flows.
INVEST: GROWTH
Calculates the growth on initial deposit and any regular contributions.
INVEST: GROWTH ADVANCED
Calculates investment growth. Multi-period interest rates and contributions.
INVEST: TIME TO DOUBLE
Estimates the time it will take for a balance to double in value.
PENSION: SALARY SACRIFICE BENEFIT
Calculates the impact of using salary sacrifice when making pension contributions.
PENSION: FORECAST
How long it will take to reach a specific target.
PENSION: FORECAST ADVANCED
Time to reach target with multi-period interest rates and contributions.
LIFE EXPECTANCY
Helpful to know when planning your retirement.
RETIREMENT AGE
Find out when you'll be be entitled to claim the state pension.
STAMP DUTY LAND TAX
Calcualtes the stamp duty based due on your property purchase.
LISA ELIGIBILITY
Find out if you're eligible to open a LISA.
RISK PROFILE
Understand your risk profile and how that impacts your investment decisions.
CHILD BENEFIT
Calculates child benefit and high income charge.
Leading products in our ecosystem
Last refreshed on
Savings
SAVE
INSTANT ACCESS
CAHOOT
VARIABLE RATE
4.85%
AER
SAVE
180 DAY NOTICE
INVESTEC
VARIABLE RATE
5.25%
AER
SAVE
CASH ISA
TRADING 212
VARIABLE RATE
5.25%
AER
SAVE
CASH LISA
MONEYBOX
VARIABLE RATE
5.00%
AER
Credit cards
BORROW
CREDIT CARD
NATWEST
13M TRANSFER NO FEE
0%
APR
Personal loans
BORROW
UNSECURED LOAN
TESCO BANK
FIXED RATE
6.1%
APR
Investments
INVEST
20% EQUITY FUND
M&G
5Y ANNUALISED
2.48%
INVEST
40% EQUITY FUND
BNY MELLON
5Y ANNUALISED
5.32%
INVEST
60% EQUITY FUND
SCHRODERS
5Y ANNUALISED
7.32%
INVEST
80% EQUITY FUND
HSBC
5Y ANNUALISED
8.12%
* Investment returns have been annualised. Debt product APRs are subject to change based on individual circumstances and the representative APR may not be what you receive.
Optimise your financial life
We have a range of tools for you try while we're finalising our app.
Try our calculators