Free for most people. More when you need it.
Start free — no card details required. Pay only when you want the full picture.
Your first look, decoded.
- Select your goal — mortgage, debt, credit card, and more
- Questionnaire-only goals: full results, full lender view, full action plan — free forever
- Credit card analysis: balance, APR, utilisation, fees — decoded
- Bank statement analysis: income, disposable income, and affordability signal decoded — single month
- Glimpse of how a lender reads your profile (full view locked)
- First 2 action steps to improve your position (full plan locked)
- 1 active goal, 1 card provider, 1 bank provider — current statement only, no backfill
Your full year, in one upload.
- Everything in Free
- Full lender view unlocked — credit card or bank statement
- Full action plan unlocked — all steps with real £ figures and timelines
- Credit card batch: up to 12 monthly statements — balance trend, peak utilisation, payment patterns
- Bank statement batch: 6–12 months — income trend, affordability trajectory, overdraft and risk flags
- Minimum payment months flagged; overdraft patterns identified — lenders notice both
- One purchase. Works for credit card or bank statement batch. Buy again any time.
Every card, every goal, every month.
- Everything in Annual Audit, every month
- Credit card batch included — full year trend, no separate purchase
- Bank statement batch included — income trend, affordability, risk signal over 6–12 months
- Combined lender view — bank statement + credit card analysed together, the full picture a mortgage underwriter sees
- Multiple card providers — Barclaycard, HSBC, Amex, Monzo, all of them
- Multiple bank providers — upload statements from any UK bank
- Up to 12 months of history — backfill credit card and bank statements at your own pace
- Multi-card exposure: total balance and overall utilisation across all your cards
- Unlimited active goals — manage, switch, and track everything at once
- Cancel any time, no questions
Why is the free version this generous?
Because most people have one goal and want to understand where they stand. We think that should be free, forever. Goals that only need a questionnaire — like getting your first credit card or building credit — give you the complete picture at no cost. The free plan covers one card provider and one bank provider, and lets you upload your current statement going forward each month. We make our money from people who want to backfill their full history or have multiple cards and banks to track.
When is the £7.99 Annual Audit worth it?
When you want lenders to see the full story, not just a single month. One purchase covers either your credit card history — up to 12 monthly statements, balance trend, peak utilisation, the months things slipped — or your bank statement history — 6 to 12 months of income consistency, spending trends, affordability signals, and overdraft patterns. It also unlocks the full lender view and complete action plan. One purchase, no subscription, works for credit card batch or bank statement batch.
When is Plus worth it?
If you have more than one card or bank account, more than one goal you're working towards, or you want to backfill your statement history. Plus lets you upload from multiple card and bank providers, backfill up to 12 months of statements at your own pace, and combines everything into one lender view — total balance, overall utilisation, income trend, and the full picture a mortgage underwriter sees. Batch upload is included, so there's no need to buy one-off audits separately. £9.99/month, cancel any time.
How do you make money?
From people who buy the £7.99 Annual Audit and people who pay £9.99/month for Plus. That's it. We don't take referral fees from lenders, we don't sell your data, and we don't push credit cards on you. Our incentive is to help you understand your position — full stop.
What happens to my statement after analysis?
The PDF is deleted immediately after we read it — it lives on our servers for the few seconds it takes to extract the numbers, then it's gone. We keep the figures we pull out — for credit cards: balance, APR, interest, utilisation; for bank statements: income, outgoings, disposable amount, risk signals — so we can track your progress over time. We never keep your transactions, and we never share any of it.