Funded Future

Funded Future, personal finance that respects you. Most money apps tell you what you've done wrong. Funded Future shows you what you can do next. Built for people who want to actually understand their money, not just see it. Funded Future brings together budgeting, debt management, savings, pensions and long-term planning in one honest, jargon-free app. No moralising. No judgement. Just clear, useful tools for real financial lives. Connect your accounts securely Link your UK bank accounts via TrueLayer to see your full picture — current accounts, savings, credit cards — automatically categorised and ready to work with. Your data is encrypted, never sold, and always yours. Budget without the spreadsheet The Budget Manager uses the proven 50/30/20 framework — Needs, Wants, Savings/Repayments — and tracks it against your real spending. The Budget Wizard sets it up for you in minutes. A six-month trend chart shows you how your habits actually shift over time. Take control of debt The Debt Tracker auto-detects your credit cards, loans and overdrafts. The Debt Payoff Planner compares Snowball and Avalanche strategies side by side, simulates extra payments, and shows you exactly when you'll be debt-free based on the inputs you enter. Build genuine savings The Emergency Fund Planner calculates your target based on your actual fixed costs — not a generic rule. The Goals Tracker keeps savings, debt, investment and emergency fund goals in one place, with honest progress tracking. Plan for the long term The Pension Tracker handles workplace, personal, SIPP and final salary pensions — including lost pensions. Future Self lets you pull levers — contribution rate, retirement age, growth assumptions — and see your projection update in real time. The Monte Carlo Retirement Planner runs 1,000 simulations to stress test your plan against real-world market volatility. Tools that actually help Mortgage Calculator with overpayment scenarios Investment Planner with phased contribution modelling Tax Estimator for employed and self-employed (2026/27 rates) Bill Optimiser with energy switching and savings detection Credit Health guidance Your Money Story Funded Future doesn't just show you numbers — it shows you patterns. Money Story analyses your spending behaviour, the annual Reckoning reviews your year honestly, and Backstory lets you ground your finances in the context only you know. Shared Spaces Manage money with a partner or household. Shared goals, shared insights, shared accountability — without surveillance. Privacy and security built in Multi-factor authentication with TOTP and backup codes Trusted device management Field-level encryption for sensitive data Your financial data never sold, never shared Bank connections via FCA-regulated TrueLayer Who Funded Future is for People starting out. People starting over. People in transition. People who've been told finance is too complicated for them. People who want honest tools without the salesmanship. Whether you're rebuilding after debt, planning for retirement, navigating a separation, or just trying to understand where your money goes each month — Funded Future meets you where you are. Not financial advice. Just honest tools. Built in the UK. For UK users. By a solo founder who thinks everyone deserves to understand their own money. Download Funded Future and take the next step. funded-future.co.uk