Our story
Built by someone who got burned by the system
Ravi Choudhury
Founder, FinSavvy
I spent eight years as a financial analyst — first at a mid-tier investment bank in London, then at a retail banking group where I worked on product pricing. I knew how the numbers worked. I knew how to read a fund fact sheet, calculate an effective APR, and model mortgage repayment schedules in my sleep.
Then I looked at my own finances and realised I was a mess.
I had £4,200 sitting on a credit card at 24.9% APR I'd been "planning to pay off" for two years. I had six streaming subscriptions (I counted), three of which I hadn't opened since Christmas. My mortgage was on the standard variable rate because I'd missed my fixed-rate deal renewal by three months and couldn't face the paperwork. And my pension — a workplace SIPP I'd been auto-enrolled into — had been sitting in a default fund for four years without me ever looking at what it was invested in.
I knew enough to know I was doing everything wrong. I just couldn't find the time or the right tool to fix all of it at once.
What I found when I started looking
Every finance app I tried was either American (built around 401(k)s and Roth IRAs, useless for UK pension rules), too simple (basic budgeting with a few categories), or too complex (enterprise tools designed for wealth managers). Nothing spoke to the specific reality of being a UK earner trying to juggle ISA allowances, a SIPP, a tracker mortgage, NHS pension rights, and student loan repayments that weren't really debt.
The FIRE community was the closest thing to what I wanted — genuine financial independence planning — but most of the content was American, and the UK-specific content was scattered across Reddit threads and outdated blogs.
Why FinSavvy exists
FinSavvy is the tool I wish had existed when I started sorting out my finances. It's built specifically for the UK context — ISA allowances, SIPP tax relief, UK state pension entitlement, UK banks and direct debits, UK consumer debt APRs.
It's not trying to replace a financial adviser. We add the "Not financial advice" disclaimer on everything for a reason — we mean it. FinSavvy is an educational tool that gives you the data and the projections so that when you do speak to an adviser, or make a decision yourself, you're starting from an informed position rather than a guess.
The subscription audit is free because I believe everyone deserves to know what they're paying for. The FIRE projections are in the Pro tier because they require more data and more ongoing calculation — but at £4.99/month, it's less than one cancelled forgotten subscription.
The team
FinSavvy is a small team. Alongside me, we have:
Aisha Lowe
Head of Product
Former product manager at a UK fintech. Spent five years building open banking integrations before joining FinSavvy to make them actually useful for consumers.
Tom Prescott
Lead Engineer
Full-stack engineer with a background in regulated financial software. Previously built compliance tooling for a UK mortgage broker. Keeps our data security obsessively tight.
Sophie Chen
Finance Content
Former personal finance journalist (Which?, MoneySavingExpert contributor). Writes all our guides and makes sure we never accidentally publish something misleading.
Our stance on regulation and data
FinSavvy is not FCA-authorised and does not provide regulated financial advice. We're an educational tool. Every projection, recommendation, and calculation we produce comes with that caveat clearly stated.
Our open banking connections use FCA-regulated APIs through authorised account information service providers. This means the connection between your bank and FinSavvy is governed by the same regulatory framework that governs all UK open banking — read-only access, strict data security requirements, and your right to revoke access at any time.
We never store your bank login credentials. We cannot initiate payments. We see transaction data — the same data you see when you log in to your own banking app — nothing more.
Our data principles
- ✓Your financial data is yours. We never sell it, share it, or use it to train AI models without your explicit consent.
- ✓All data is encrypted at rest (AES-256) and in transit (TLS 1.3).
- ✓You can export or delete all your data from your account settings at any time.
- ✓We don't use your data for advertising targeting.
- ✓We are GDPR-compliant and based in the UK.
What happened to me
In the six months after I started building FinSavvy, I cancelled £74/month in subscriptions, paid off the credit card using the avalanche method (saved £810 in interest), switched my mortgage and fixed at 4.2% (saving £290/month), and started actually paying attention to my SIPP allocation.
My FIRE date moved from "never, probably" to 54. That's not freedom yet, but it's a number I can work toward.
That's what FinSavvy is for.
Not financial advice. FinSavvy is an educational tool. Always consult a qualified financial adviser.