Funded Future

Funded Future, personal finance that respects you.
Most money apps tell you what you've done wrong. Funded Future shows you what you can do next.
Built for people who want to actually understand their money, not just see it.

Funded Future brings together budgeting, debt management, savings, pensions and long-term planning in one honest, jargon-free app. No moralising. No judgement. Just clear, useful tools for real financial lives.
Connect your accounts securely
Link your UK bank accounts via TrueLayer to see your full picture — current accounts, savings, credit cards — automatically categorised and ready to work with. Your data is encrypted, never sold, and always yours.
Budget without the spreadsheet
The Budget Manager uses the proven 50/30/20 framework — Needs, Wants, Savings/Repayments — and tracks it against your real spending. The Budget Wizard sets it up for you in minutes. A six-month trend chart shows you how your habits actually shift over time.
Take control of debt
The Debt Tracker auto-detects your credit cards, loans and overdrafts. The Debt Payoff Planner compares Snowball and Avalanche strategies side by side, simulates extra payments, and shows you exactly when you'll be debt-free based on the inputs you enter.
Build genuine savings
The Emergency Fund Planner calculates your target based on your actual fixed costs — not a generic rule. The Goals Tracker keeps savings, debt, investment and emergency fund goals in one place, with honest progress tracking.
Plan for the long term
The Pension Tracker handles workplace, personal, SIPP and final salary pensions — including lost pensions. Future Self lets you pull levers — contribution rate, retirement age, growth assumptions — and see your projection update in real time. The Monte Carlo Retirement Planner runs 1,000 simulations to stress test your plan against real-world market volatility.
Tools that actually help

Mortgage Calculator with overpayment scenarios
Investment Planner with phased contribution modelling
Tax Estimator for employed and self-employed (2026/27 rates)
Bill Optimiser with energy switching and savings detection
Credit Health guidance

Your Money Story
Funded Future doesn't just show you numbers — it shows you patterns. Money Story analyses your spending behaviour, the annual Reckoning reviews your year honestly, and Backstory lets you ground your finances in the context only you know.
Shared Spaces
Manage money with a partner or household. Shared goals, shared insights, shared accountability — without surveillance.
Privacy and security built in

Multi-factor authentication with TOTP and backup codes
Trusted device management
Field-level encryption for sensitive data
Your financial data never sold, never shared
Bank connections via FCA-regulated TrueLayer

Who Funded Future is for
People starting out. People starting over. People in transition. People who've been told finance is too complicated for them. People who want honest tools without the salesmanship.
Whether you're rebuilding after debt, planning for retirement, navigating a separation, or just trying to understand where your money goes each month — Funded Future meets you where you are.
Not financial advice. Just honest tools.
Built in the UK. For UK users. By a solo founder who thinks everyone deserves to understand their own money.
Download Funded Future and take the next step.
funded-future.co.uk