FinSavvy finds hidden subscription waste, builds your debt payoff plan, optimises your mortgage, and shows your exact FIRE date — built for ISAs, SIPPs, and the UK state pension.
Subscriptions found
£68/mo
8 forgotten
Debt saved (avalanche)
£2,410
14 mo faster
Mortgage saving
£290/mo
vs SVR rate
FIRE date
Age 54
↑ 6 yrs sooner
Connected accounts
Illustrative data · Not financial advice
What FinSavvy does
Spot forgotten subscriptions and cut what you don't use. Average saving: £340/yr.
AI-generated scripts to negotiate your broadband, insurance, and utility bills.
Avalanche or snowball — we crunch the numbers and build your personalised plan.
Know exactly when to remortgage, overpay, or switch. Saves thousands over the term.
Track your path to independence with ISA, SIPP, and investment projections.
See how inflation erodes your money over time, with UK CPI defaults built in.
Ask anything about your finances. Always answered in the full context of your accounts, goals, and UK tax rules.
How it works
Download a statement from your online banking and upload it — CSV or PDF, any UK bank. No login credentials, ever.
We surface forgotten subscriptions, high-APR debts, and mortgage overpayment wins — automatically.
Cancel waste, follow your payoff plan, and see financial independence get closer month by month.
Works with your UK bank
Early community
"Found £68/month in subscriptions I forgot about. Cancelled them in minutes — that's £816 back in my pocket every year."
"The FIRE calculator finally works with UK pension rules. I can see my actual SIPP contributions in my retirement date."
"Paid off my credit card 8 months early with the debt planner. The avalanche breakdown made it so clear where to focus."
Most FIRE calculators assume American tax rules. FinSavvy accounts for ISA allowances (£20k/yr), SIPP contributions with 20% basic-rate relief, and the state pension (£11,502/yr from age 67) — so your retirement date is actually accurate.
Try the FIRE calculator →Pricing
Free
Everything you need to audit your money and find quick wins.
Pro
Billed monthly
Everything in Free, plus the tools that actually move your finances forward.
Cancel anytime · No contract
FAQ
The average FinSavvy user finds £340/year in forgotten subscriptions alone. What could you find?
Try free — no card requiredFree plan available · Pro from £4.99/mo · Cancel anytime