MoneyAngel brings your money together and turns it into clear, plain-English guidance helping you understand where you stand and what you could do next.
You don’t need to understand every part of your finances before you begin. Choose what you’re trying to work out, and MoneyAngel uses your wider financial picture to help you understand what could be affecting it, and what may be worth exploring next.
MoneyAngel brings the different parts of your finances together so you can see where you stand today. See what’s coming in and going out, understand what you have and what you owe, and spot the parts of your financial picture that might otherwise be easy to miss.
MoneyAngel brings the different parts of your finances together so you can see where you stand today. See what’s coming in and going out, understand what you have and what you owe, and spot the parts of your financial picture that might otherwise be easy to miss.
MoneyAngel brings the different parts of your finances together so you can see where you stand today. See what’s coming in and going out, understand what you have and what you owe, and spot the parts of your financial picture that might otherwise be easy to miss.
See the different parts of your financial life brought together in one place.
See where your money is going, what stands out and how your spending compares with the UK average.
Bring what you have and what you owe together to understand your position today.
Learn more about MoneyAngelWith your financial picture in place, MoneyAngel can help you look further ahead. See how your finances could develop over time, whether your goals are currently funded, and how different assumptions could change what may be possible.
With your financial picture in place, MoneyAngel can help you look further ahead. See how your finances could develop over time, whether your goals are currently funded, and how different assumptions could change what may be possible.
With your financial picture in place, MoneyAngel can help you look further ahead. See how your finances could develop over time, whether your goals are currently funded, and how different assumptions could change what may be possible.
Look ahead and see how your financial picture could change over time.
See how the things you want to achieve fit together, and which are currently on track.
Open up a goal to see what it could require and how your current plan compares.
Learn more about MoneyAngelOnce you can see where you stand and what may be possible, MoneyAngel helps you explore what you could do next without making the decision for you. Test changes to your budget, borrowing or savings and see how they could affect the rest of your financial picture before deciding what feels right.
Once you can see where you stand and what may be possible, MoneyAngel helps you explore what you could do next without making the decision for you. Test changes to your budget, borrowing or savings and see how they could affect the rest of your financial picture before deciding what feels right.
Once you can see where you stand and what may be possible, MoneyAngel helps you explore what you could do next without making the decision for you. Test changes to your budget, borrowing or savings and see how they could affect the rest of your financial picture before deciding what feels right.
Turn what you know about your spending into a plan for the months ahead.
Explore how different repayment times could change the cost of your borrowing.
Test a change before making it, and see what difference it could make to your plans.
Learn more about MoneyAngelYou can check your balance. You can track your spending. You can even use a budgeting app. And you can still be left with the questions that actually matter:
Could I be doing better?
Am I getting closer to the things I want?
How do I compare to others?
John’s background
| Name | John Carter |
| Age | 34 |
| Location | Manchester, England |
| Occupation | Project Manager |
| Living status | Homeowner |
John’s financial journey
John wants to build his emergency fund to £5,000 and understand whether he is making enough progress towards retirement.
An insight into John’s spending
MoneyAngel brings John’s accounts, financial information and goals into one connected view: where he stands today, the milestones ahead, and which areas may be worth his attention next.
The steps you take:
John wants to build his emergency fund to £5,000 and understand whether he is on track for retirement.
He starts with those goals, so MoneyAngel can explore his finances in the context of what he is actually trying to achieve.
John connects his everyday accounts, savings and pension.
MoneyAngel brings that information together so he can see his income, spending, savings and longer-term position in one place, rather than trying to understand each part separately.
John brings in £2,400 a month and typically spends around £2,130, leaving £270.
But that £270 is not simply spare money. Around £150 is going towards his emergency fund and £70 covers irregular and annual costs, leaving around £50 genuinely unallocated.
His emergency fund already stands at £3,000 of his £5,000 target, so he can also see the progress he is making towards it.
MoneyAngel can now help John look beyond this month.
He can explore what putting more towards his emergency fund would do to the date he reaches £5,000, or what could happen once that goal is complete and the £150 a month currently going towards it becomes available for something else.
He can then compare those possibilities with his longer-term retirement goal and understand the trade-offs before deciding what to do.
Choose the level that suits your financial life.
Not just this month's spending. Not just one account's balance. MoneyAngel maps your financial journey: where you are now, the milestones ahead, and whether you're on course for the life you're planning, all the way out to retirement and beyond.
See your property, pension, investments, cash and debts together, and how each changes over time.
See when debts could disappear, how your net worth could build, where your goals fit and what happens to your finances as you move into retirement.
Starting with your data.
Never. We’re funded by subscriptions—not commissions, advertising or the sale of your personal and financial data.
MoneyAngel staff cannot see your financial data or move your money. Our tools only help you understand it.
Your data is protected with bank-level encryption, two-factor authentication and secure biometric login whenever you use MoneyAngel.
MoneyAngel is built on decades of experience across financial services and regulated industries, with proven financial principles at its core.
One MoneyAngel. Four ways to use it.
From understanding your everyday finances to exploring major life decisions, each plan builds on the last, giving you more automation, insight and guidance when you need it.
Explore clear, practical guides to budgeting, saving, borrowing and planning for the future. The Academy explains what’s generally true. MoneyAngel helps you understand what could be true for you, using your own financial picture.
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