Finance Assistant

Finance Assistant is a personal finance dashboard designed for UK professionals. Track your complete financial picture in one app — income, expenses, assets, liabilities, mortgage, pension, and investments.

SIMPLE & PRO MODES
Start with Simple mode — just your summary and finances on two clean screens. When you're ready, switch to Pro mode and unlock 14 powerful tabs including mortgage calculators, pension planning, and tax tools.

WHAT YOU CAN DO

Track Your Money
- Monthly income and expense tracking with category breakdown
- Assets and liabilities with automatic net worth calculation
- Annual bills tracker with due date countdown
- Multi-currency support (GBP, USD, NOK, PKR)

Gold Holdings
- Track 18ct, 20ct, and 22ct gold by weight in grams
- Live UK gold prices updated daily
- Automatic asset valuation

Mortgage Dashboard
- Property overview with equity, LTV, and balance tracking
- Overpayment calculator — see how much interest you save
- What-if scenarios for rate changes
- Stamp duty calculator for property purchases
- Mortgage journey — track how much you've paid over time

Retirement Planning
- NHS Pension modelling (1995, 2008, and 2015 schemes)
- Defined contribution pension projections
- ISA tracking with annual allowance monitoring
- State Pension at current rates
- Vanguard fund tracking with live prices

Tax Tools
- UK payslip calculator with tax, NI, student loan, and pension
- Tax return helper for self-assessment
- Income history tracking across tax years

Zakat Calculator
- Islamic Zakat calculation with Hijri calendar
- Separate tracking for cash, investments, gold, and PKR accounts
- Nisab threshold monitoring

AI Financial Coach
- Ask questions about YOUR finances — powered by AI
- Get personalised advice based on your actual income, expenses, and goals
- "Can I afford a house?" "Am I saving enough for retirement?"

UK Financial Benchmarks
- Compare your savings rate against UK averages
- Emergency fund assessment
- Net worth comparison by income bracket

PRIVACY FIRST
- No bank connections required — your data stays private
- Supabase encrypted database
- No ads, no data selling
- Full data export and import
- GDPR compliant

BUILT FOR UK PROFESSIONALS
Finance Assistant uses UK-specific tax bands, NI rates, pension schemes, stamp duty rules, ISA allowances, and state pension figures. Every calculation uses current 2025/26 rates.
Syncs across all your devices — phone, tablet, and web at financeassistant.xyz