EveryPound

New: pensions split by you and your employer with salary-sacrifice tracking. See real tax savings, forecast decades ahead, and pull to refresh anywhere.

EveryPound is your household's net worth, simplified.

Add every UK account you own - Cash ISA, Stocks & Shares ISA, LISA, workplace pension, SIPP, savings, current accounts, mortgage, credit cards, BNPL, student loans, property, crypto - and watch your real wealth grow month by month. No bank logins, no transaction sorting, no nonsense.

— PARTNER YOUR HOUSEHOLD —

Link with your partner via a one-tap 6-digit code. Both of you see the same accounts, the same monthly Board Meeting, the same advice. Filter the Net Worth chart by Combined / You / Partner so you can see exactly who's contributing what. And whoever upgrades to Pro or Plus, both partners unlock the features.

— THE FEATURES —

Monthly Board Meetings Spend 60 seconds a month updating your balances and EveryPound stores a snapshot of your net worth. Watch the line go up. The most underrated habit in personal finance.

Pension contributions, properly modelled Track both your contribution and your employer's match. Toggle salary-sacrifice on for workplace pensions and we'll keep them out of your Budget (since they're deducted before tax) but still count them in your projections. The single biggest driver of UK long-term wealth gets the data model it deserves.

Addy, your personal finance coach Ask anything in plain English - "should I overpay the mortgage or top up the SIPP?", "what's our marriage allowance picture?", "is this Cash ISA actually worth it?" - and get a tailored answer based on YOUR numbers, not a generic article. Pick her tone: Polite, Balanced, or Savage.

UK tax done properly Income tax bands, National Insurance, personal allowance taper, marriage allowance, pension salary sacrifice, and student loan plans 1/2/4/5 plus postgrad - all calculated correctly for your actual take-home pay. New: see the actual tax + NI you save via salary sacrifice, and how close you are to the £60k pension allowance.

Net Worth forecasting Inline what-if sliders right next to your chart, plus a full Calculator with per-asset growth rates, inflation modelling, and projections up to 40 years out.

Debt payoff simulator See exactly when you'll be debt-free. Try an extra £100/month on the credit card and watch the date jump forward years.

Property & mortgage linking Link a mortgage to its property and EveryPound shows your real net equity automatically.

Face ID privacy Your full balance sheet, locked behind Face ID. Nobody else picks up your phone and sees your money.

— BUILT FOR THE UK —

Pounds and pence everywhere. ISA, LISA, SIPP, workplace pensions, mortgages, BNPL, all the UK debt types. Scottish tax bands supported. Date format DD/MM/YYYY. No dollar signs anywhere.

— YOUR DATA, YOUR DEVICE —

No bank logins. No screen scraping. You enter your numbers; we never touch your bank. All data is encrypted in transit and at rest, hosted in the EU. Delete your account in two taps and everything goes with it.

— PRICING —

Free forever for net worth tracking, Board Meetings, the basic 10-year wealth projection, and 5 daily messages with Addy.

EveryPound Plus unlocks tax-spend breakdown, historical backfill, projection tuning (per-asset rates + inflation + extra savings), 20-year horizon, and 30 daily Addy messages.

EveryPound Pro adds unlimited Addy, savage mode, 40-year projection horizon, debt overpayment simulator, pension take-home modelling, and CSV export.

A subscription unlocks the same features for both partners in a linked household.

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A Boa Esperanca Group application.