Built for UK tax, pensions and ISAs
The UK financial planning app that shows what your money could become
Our median user was on track to be £84 a day worse off.1 afewquid projects your wealth against your financial goals, then shows you a better way to reach them.
- Five minutes to set up.
- No card.
- No bank linking.
Example household
Net worth by age, in today’s money
Net worth in 2044
£1,097,102
+£45,250 that year
Earned that year
£86,256
Salary £75,000 today
Tax that year
£24,320
UK bands applied
Spending
£31,209
Two children
- Property
- Private pension
- ISA investments
- Cash and savings
Net worth in 2044
£1,412,286
+£65,216 that year
Earned that year
£86,256
Salary £75,000 today
Tax that year
£15,203
UK bands applied
Spending
£31,209
Two children
- Property
- Private pension
- ISA investments
- Cash and savings
- 343 UK households
- UK tax built in
- No bank account linking
- 60-day money-back guarantee
Most money tools are built for the US. You live in the UK.
afewquid applies UK taxes, money traps and loopholes to your finances, and shows you how to take advantage of them.
- You worry you’ll regret today’s financial decisions in 20 years.
- You’d like to retire early, but don’t know if the numbers work.
- Online calculators ignore ISAs, the £100k tax trap and how UK pensions really work.
- You’d like to know that investing, overpaying or salary sacrifice is worth it.
London- 401(k)
- Roth IRA
- Social Security
- ISA
- SIPP
- State Pension
- 60% tax trap
Your full financial plan in five minutes
Salary
£75,000
Workplace pension
£95,000
Savings and ISAs
£103,000
Tell us about your finances.
Salary, pension, savings, mortgage and children. Change any of it later.
We project every year ahead.
UK tax rules and allowances are applied year by year, in today’s money.
- Optimised plan+55%
- Alternative setup
- Your current plan
See better ways to arrange your money.
We run hundreds of simulations and rank them by projected net worth.
Everything a UK household needs to plan with confidence
Rank the ways you could use your money.
The optimiser ranks the best way to use your spare money, between your pension, debt and asset accounts. Median projection: +42% wealthier.
Test a decision before you live it.
Move house, take the pay cut, have the baby, retire ten years early. Compare it side by side with today’s plan.
Homes, mortgages and buy-to-let.
Overpayments, stamp duty, rent vs buy, and Section 24 vs limited company for landlords.
Plan as a couple and a family.
Two salaries, two pensions, childcare, nursery funding, Child Benefit and school fees.
Built for HMRC, not the IRS
| What it covers | afewquid |  US planning apps | Spreadsheet |
|---|---|---|---|
| ISAs, SIPPs, workplace and State Pension | Built in | Just ISAs | Build it yourself |
| 60% tax trap, NI, student loans | Modelled every year | No | Manual |
| Stamp duty, Section 24, limited company | Yes | No | Very difficult |
| Nursery funding, Child Benefit, school fees | Yes | No | Very difficult |
| Ranks better ways to arrange your money | Yes | Some | No |
| Bank account linking needed | Never | Varies | No |
Mike, founder of afewquid
My family and friends were guessing at the numbers
I’m Mike. I built afewquid because it was so hard for my friends and family to be confident about their financial decisions. Now we have the UK specific numbers: Can you afford a new house, what's the long term cost of private school, is that job oppurtunity worth the stress, and does it really matter if I invest.
Read our storyHear from people who stopped guessing
“A very useful app and just what I have been looking for.”
“I have to say it looks amazing and is a very useful tool.”
“The app showed me ways of using my money that I hadn't even thought of.”
Start free. Upgrade for the best plans.
Free
£0
Your finances projected for the rest of your life, with a year-by-year breakdown.
Full plan
£6.25/month(£60/year)
The optimiser, what-if simulations, early retirement planning, couples and life events.
60-day money-back guarantee. No strings attached.
The questions we get asked most
Is afewquid a financial adviser?
No. afewquid is a financial education tool and is not regulated by the FCA. It shows what happens when you move your money around. It won’t recommend or sell you financial products.
What UK rules does it model?
Income tax bands, the £100k tax trap, investment accounts like ISAs, state and private pensions, childcare schemes, student loans, stamp duty, capital gains tax, and dividend and corporation tax if you run a company.
Do I need to link my bank account?
No. You enter your own figures, so your whole financial life is projected without connecting a single account.
How long does it take to set up?
About five minutes, plus a few more to add your partner.
Can I use it with my partner?
Yes. You each get your own salary, pension and savings, and you can read the projection jointly or one person at a time.
What if I don’t find a way to improve my finances?
For any reason, use our 60-day, no-strings refund.
Can I talk to someone?
Yes. We offer an introductory call and regularly speak with users to improve the app.
How much are you leaving on the table?
Join 343 UK households planning with real UK numbers.