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
- Single statement analysis: balance, APR, utilisation, fees — decoded
- 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
Your full year, in one upload.
- Everything in Free
- Full lender view unlocked — see exactly how a lender scores your card
- Full action plan unlocked — all steps with real £ figures and timelines
- Upload up to 12 monthly statements in one go — sorted automatically
- Your full year trend: balance trajectory, peak utilisation, payment patterns
- The months you only paid the minimum flagged — lenders notice 3+ in a row
- One purchase. No subscription. Buy again any time.
Every card, every goal, every month.
- Everything in Annual Audit, every month
- Batch upload included — no separate purchase needed
- Multiple card providers — Barclaycard, HSBC, Amex, Monzo, all of them
- Combined view: total balance and overall utilisation across all your cards
- Unlimited active goals — track everything you're working towards
- Multi-goal dashboard — manage, switch, and progress all your goals in one place
- 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. We make our money from people who want their full year of history or have multiple cards 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 audit covers up to 12 statements — your balance trend, your peak utilisation, the months things slipped. It also unlocks the full lender view and complete action plan for that card. One purchase, no subscription, buy again any time you want a fresh audit.
When is Plus worth it?
If you have more than one card, or more than one goal you're working towards. Plus combines every card into one view — total balance, overall utilisation, the order to clear them in. It's the view a mortgage underwriter sees when they look at your whole file. 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 (balance, APR, interest, utilisation) so we can track your progress over time. We never keep your transactions, and we never share any of it.