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Intelligent
Personal Finance

Budgetwise Owl

Supercharged by AI
The smart, simple, and effective solution for personal budgeting and financial planning.

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Budgetwise Owl

Meet Mogul
Your AI budgeting assistant

Mogul delivers unique, personalised insights into your financial situation and provides actionable guidance to help you achieve your financial goals.
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Our Story

Like many, our financial stresses aren’t about yesterday; they are always about tomorrow.  
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The upcoming car service, the rising mortgage rates, the ever-increasing energy bills - they are like dark clouds on the horizon, always drifting closer. No matter how good our personal finance spreadsheets are, we always feel insecure about what the future has in store. 

BudgetWise, born out of this personal anxiety and societal need, aims to transform fear into foresight and stress into strategy.  It’s designed to be more than just an app: it is a solution to bridge the gap between present uncertainties and future possibilities. Offering personalised financial insights, BudgetWise transforms worry into strategy, allowing users to not just survive, but thrive in their financial journeys. Our app can help demystify your financial future, providing a roadmap for financial growth, insight and clarity: replacing stress with empowerment.

Vision & Mission

Our vision is a world where everyone has access to the tools and knowledge they need to manage their money effectively and achieve financial freedom. We will achieve this by empowering individuals and families to take control of their finances and achieve their financial goals through smart budgeting, personalised financial insights, and predictive foresight.

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Simple

BudgetWise is designed to make financial planning a breeze.
Our user-friendly interface and intuitive features ensure budgeting is straightforward and easy to understand.

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Secure

Your financial information is precious, and we treat it as such. BudgetWise employs robust security measures to protect your data and provide a safe environment for you to manage your finances.

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Transparent

We strive to present clear, jargon-free insights to help you understand your financial situation better. We're passionate about ensuring you can make fully informed financial decisions with confidence and trust.

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Smart Budget

Optimise your financial situation with AI

Gain a deep understanding of your financial situation with our Personal Budget feature. Simply input your income and expenses, and BudgetWise will create a comprehensive yet easy-to-understand budget overview.
Our powerful AI offers tailored insights to your personal situation and offers financial wellness and health checks.

Budgetwise Owl
Hi, I'm Mogul!
I'm the ultimate AI wingman for personalised budget scenario generation, pension forecasting and investment strategies.
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Goal Tracker

Reach your financial goals

Set, track, and reach your financial goals with our Inspiring Goal Tracker. Enter your financial target — whether it's a dream holiday or a new car — and BudgetWise will provide actionable recommendations to achieve it. Your financial aspirations are within reach, let's achieve them together.

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Dynamic Foresight

Take charge of life's financial twists

Planning for financial change has never been easier. Our Dynamic Foresight feature utilises a blend of open-source data and your inputs to project scenarios, enabling you to understand potential effects of changes on your budget. Future-proof your finances by understanding the potential impacts before they happen.

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Goal Tracker

Reach your financial goals

Set, track, and reach your financial goals with our Inspiring Goal Tracker. Enter your financial target — whether it's a dream holiday or a new car — and BudgetWise will provide actionable recommendations to achieve it. Your financial aspirations are within reach, let's achieve them together.

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Insights

Unlock Your Financial Perspective

Get a unique view of your financial world with our "Insights" feature. This tool uses your personal budget data to provide enlightening analytics, stats, and comparisons. Understand your financial standing, both in your personal realm and within wider society. See where you stand in terms of net wealth, income, savings, and outgoings among peers. Our compelling visualisations and easy-to-understand graphs empower you to not just track, but truly comprehend your financial journey. With Insights, gain the perspective you need to shape your financial future.

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The Data

You're not alone

77% of people are overwhelmed, anxious, or stressed about their finances

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Lack of Financial Confidence
Approximately 39% of adults in the UK (around 20.3 million people) do not feel confident managing their money. This lack of confidence contributes to the overall financial stress and poor financial decision-making.
- FinCap, 2024
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Widespread Financial Stress
The majority of UK residents (77%) are stressed about money, with 17% describing themselves as “very stressed” about their finances. On top of this, 14% said they worry about money every single day, while 12% worry about money two or three times a week.
‍- Money Advisor, 2024
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Avoidance of Financial Discussions
Financial issues are often not discussed openly. About 81% of people avoid talkingabout their finances, with fears of judgment, embarrassment, and being a burdento others being significant barriers. This avoidance can lead to poor financialdecisions and lack of preparedness for future financial needs.
- Money.co.uk, 2024
Insights

Unlock Your Financial Perspective

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Empower Your Understanding

Transforming your budget data into enlightening analytics, we help you grasp the nuances of your net wealth, income, savings, and outgoings. Through compelling visuals, embark on a journey of financial comprehension.

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Benchmark Your Progress

See where you stand amidst your peers. Drawing from wider societal data, we provide you with real-time comparisons, lending perspective to your financial status and progress. Navigate your path with a broader understanding.

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Forecast Your Future

Chart your course to a secure future, from next year to your pension years. By analysing your financial habits, we offer predictive insights into your financial future, including your pension outlook. With clear, digestible graphs, gain the foresight you need to effectively shape your financial journey.

Budgeting for Good

Supporting UN Sustainability Goals

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Good Health and Wellbeing

BudgetWise supports 'Good Health and Wellbeing' by enabling financial stability, which is crucial for maintaining mental and physical health.

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Reduced Inequalities

By offering accessible financial tools, BudgetWise aims to reduce economic inequalities, empowering users from diverse backgrounds to achieve financial resilience.

Responsible Consumption and Production
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Responsible Consumption and Production

BudgetWise encourages responsible consumption and production patterns, guiding users towards sustainable spending and resource utilisation.

Partnerships for the Goals
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Partnerships for the Goals

BudgetWise believes in 'Partnerships for the Goals', collaborating with various stakeholders to align financial planning with broader sustainability objectives.

FAQ

Frequently asked questions

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What is BudgetWise and how does it work?

BudgetWise is an innovative AI powered personal budgeting app designed to help individuals manage their finances effectively. Our app offers simple budget creation, dynamic scenario checking, and a goal tracker to help you navigate towards financial freedom.

When will the BudgetWise app be available?

BudgetWise is currently in development, and we anticipate a beta launch within H1 of 2025. To be one of the first to try it out, sign up for our mailing list for updates and early access.

How secure is BudgetWise?

Your security is our priority. At BudgetWise, we ensure that your personal and financial data is protected with top-notch security measures. We are committed to maintaining the confidentiality and integrity of your data.

How can I stay updated with BudgetWise's development and launch?

Join our mailing list to get the latest updates on BudgetWise's progress and be among the first to gain access to our innovative budgeting app.

Who can benefit from using BudgetWise?

BudgetWise is ideal for anybody aged 18 or older who wants to gain control of their personal finances. Whether you're a student, professional, or retiree, BudgetWise has tools and features to help optimise your financial planning.

What sets BudgetWise apart from other budgeting apps?

BudgetWise is designed to be simple, secure, and transparent whilst delivering AI-powered insights. Our app offers unique features like dynamic scenarios and personalised financial insights that help users understand and optimise their financial situation. We focus on looking ahead to predict how changes in circumstances will affect your finances, giving you the confidence to grow your finances.

Does BudgetWise provide insights into my financial habits?

Absolutely! BudgetWise offers an "Insights" feature that uses your budget data to give you valuable insights into your financial situation. You can also see how you compare with your peers in terms of income, savings, pension, and outgoings.

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