KNOW Finance finally explained

KNOW by AI Finance Partners is a complete UK personal finance toolkit built by Andrew Isaacs, a CIMA Chartered Management Accountant.

Most personal finance apps are either too simple (a budget tracker with no tax knowledge) or too sales heavy (a hook to sell you investments, insurance or advice you do not need). KNOW is different. It is the full UK toolkit, plain English, no log in, no ads, no tracking, and your data never leaves your device.

WHAT THE APP DOES

KNOW covers the financial decisions a UK adult actually faces.

Take home pay. Your real take home after Income Tax, National Insurance, Student Loan, Pension contributions and salary sacrifice. 2026/27 rates baked in.

Self Assessment. PAYE plus rental income, self employed income, dividends, savings interest, state pension. KNOW works out whether you need to file and what you would owe.

Pension projector. Show me what my pension pot looks like at 65 if I contribute X a month.

Pension drawdown. Combines every pot you have (workplace, SIPP, State Pension, ISA, DB scheme) into a year by year view. Will the money last to age 90? This page is gated behind a finance professional confirmation step.

Approaching retirement. The 4% rule, decision points, where to get free help, the 90 day action list.

Mortgage. Repayment vs interest only, term comparison, rate stress test, overpayment impact.

Buying a home. Affordability, deposit gap, SDLT, Help to Buy ISA timing.

Renting. Your rights, deposit protection, fair wear and tear, rent increase rules.

Buy to let. Section 24 mortgage interest restriction, expense allowances, the higher rate trap.

Having a baby. Childcare, child benefit, HICBC, parental leave pay, the lot.

University. Plan 2, Plan 5, Postgraduate, repayment thresholds, parental contribution.

Inheritance. IHT, residence nil rate band, gifts out of income, lasting power of attorney.

Salary sacrifice EV. The current best tax deal in UK personal finance, modelled in full including 2026/27 BIK rates rising to 7% by 2028.

Sole trader vs Limited. The crossover decision based on your actual profit.

Lifetime view. Roll forward every position to age 90. See where the money goes.

THREE LANGUAGE MODES

Plain English. Real life. For finance people.

Same app, three reading levels. Switch any time. The numbers stay, the wrappers change.

WHO IT IS FOR

UK adults who want to understand their own money. Higher rate earners who want to know what the 60% trap is and how to handle it. Couples planning a baby. Approaching retirees working out whether they have enough. Sole traders deciding whether to incorporate. Anyone who wants honest UK personal finance without the sales pitch.

PRIVACY

Nothing leaves your device. No account. No tracking. No ads. No sync, no cloud, no telemetry. Everything stored locally in your phone. If you uninstall the app, your data is gone.

EDUCATION, NOT ADVICE

KNOW provides educational mechanics. It does not provide regulated investment advice. Tax mechanics are within the educator's remit as a CIMA Chartered Management Accountant. Investment decisions need an FCA authorised financial adviser. The Pension Drawdown page is gated behind a finance professional confirmation step for this reason.

BUILT BY A REAL ACCOUNTANT

Andrew Isaacs is a CIMA Chartered Management Accountant and founder of AI Finance Partners. KNOW is the flagship in the free AIFP suite, alongside KEEP (take home calculator), FORM (sole trader vs limited) and EV (EV salary sacrifice).

Find the Friday Five (one useful UK personal finance email every Friday) at theaifd.co.uk.