Optimise your financial life
Automated tools and guidance on saving, borrowing, ISAs and pensions - to help you make optimal decisions.
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Hi, Nina
OPTIMISE
Lifetime optimisations
+ £43,181
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
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
Our algorithms identify which combination of accounts will achieve the best return, after tax. Whole-of-the-market search. FSCS protected.
Learn more
Find your optimal savings allocation. We'll help you know when it's best to save, when to overpay debt and when to invest.

Our algorithms identify which combination of accounts will achieve the best return, after tax. Whole-of-the-market search. FSCS protected.
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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
We compare the interest saved from overpaying and switching debt with the return from saving or investing.
Try our debt calculators
When to switch
Each day we automatically search the market for the best rates and notify you when you can save money.
We compare the interest saved from overpaying and switching debt with the return from saving or investing.

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
Get the right balance between saving, investing and making pension contributions to maximise return and achieve your goals.
Learn more
What to invest in
Understand your risk profile. Know when to use ISAs or LISAs. Leading investment funds from the world's top providers.
Get the right balance between saving, investing and making pension contributions to maximise return and achieve your goals.

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
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
Personalised guides that help explain and quantify the benefits of workplace schemes, salary sacrifice and more.
Calculators that help you understand the benefit of pensions and how much you can invest into them each year.

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
NOTIFICATIONS
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
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
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
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
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