Your money's
guardian angel
MoneyAngel is an AI-powered personal finance companion that doesn't just show you your money — it works for your money. Proactively, intelligently, and on your terms.
UK consumers are financially overwhelmed. They have the data. They lack the clarity to act.
No Consolidated Picture
People have 2–4 bank accounts but no unified view of where their money actually goes. The insight is buried, never extracted.
No Actionable Plan
Over 60% of UK adults have a financial goal but fewer than 1 in 4 has a written plan to reach it.
No Accessible Guidance
IFAs cost £150–300/hr. Free budgeting apps are generic. There is nothing personal, intelligent, or actionable in between.
No Automated Action
Better deals exist but switching feels complex and opaque. The gap between insight and action is where money is lost every month.
"Where existing apps show you your money, MoneyAngel acts on your money."
One seamless
financial experience
Everything from PDF parsing to AI conversation — built from the ground up for the UK market.
Smart Statement Engine
Upload PDF bank statements from any major UK bank. AI extracts and categorises every transaction automatically — Barclays, HSBC, Monzo, Lloyds and more.
Spending DNA Dashboard
Visual breakdown of every pound spent across groceries, dining, transport, and subscriptions — benchmarked against UK averages for your age and income band.
Goal Planner & Feasibility Engine
Set any financial goal — home deposit, holiday, retirement. AI calculates your monthly savings target, identifies the gap, and builds a personalised roadmap.
AI Financial Angel Chat
Conversational AI with full access to your financial data. Ask anything in plain English and get an instant, data-backed answer in pounds and months.
Proactive Smart Alerts
Your Angel monitors 24/7 and surfaces the right insight at the right moment — overspend nudges, better deal alerts, and goal milestones, before they cost you.
Net Worth & Cashflow Forecast
Live balance sheet of assets, savings, and debts. A 12–25 year cashflow projection showing your net worth trajectory and goal impact.
Zero spreadsheets.
Full financial clarity.
Upload
Upload PDF bank statements from any UK bank — up to 3 accounts at once.
Extract
AI engine parses every transaction, categorises, and normalises your data.
Analyse
Spending patterns, recurring expenses, and a personalised financial health score.
Plan
Set your goal. MoneyAngel builds a personalised monthly roadmap to reach it.
Act
Chat with your AI angel, adjust plans, and get proactive real-time nudges.
Not just your money app.
Your money's guardian angel.
Your Angel Never Sleeps
MoneyAngel monitors your finances 24/7. Alerts, opportunities, and coaching are delivered in real time — without you having to check.
Proactive, Not Reactive
Rather than waiting for you to notice a problem, MoneyAngel surfaces issues and solutions before they cost you money.
Plain English, Always
"You're overpaying by £34/month" — not "APR differential of 4.2%." All insights delivered in jargon-free language. No financial degree required.
AI That Learns You
The longer you use MoneyAngel, the smarter it gets. It adapts to your income rhythm, lifestyle, and goals — becoming genuinely personal over time.
Start free.
Upgrade when you feel the difference.
Freemium-to-paid with clear value escalation. Designed for the UK mass market.
Get started with the essentials.
- 1 bank account
- 3 months history
- Basic spending dashboard
- Category breakdown
- Product marketplace access
Full AI coaching for everyday finances.
- Up to 3 bank accounts
- 12 months history
- Full AI financial analysis
- Goal planner & roadmap
- AI Financial Angel Chat
- Unlimited smart alerts
- Monthly financial report
Maximum insight with real-time sync.
- Everything in Angel Pro
- Open Banking live sync
- Real-time account alerts
- PDF report export
- Priority AI response
- 25-year cashflow forecast