Coming soon
Make sense of your money.
See where it's going, and where it could take you.
Built for UK personal finances. Free with manual data, no card; a 14-day Plus trial starts when you connect your bank.
Projections account for compound growth, inflation, and UK tax.
Export everything from Settings, whenever you want.
Open banking through an FCA-authorised provider.
On your current path, you reach financial independence around 2058, at 63, and your money lasts past 95.
Home opens with your whole plan in one sentence, and four dials underneath it: Earn, Spend, Save, and Retire. Drag any of them and the sentence rewrites itself.
A projection built on your assumptions, not a prediction.
Your whole picture, in one place
Every account, asset, and debt, scored against twelve financial health metrics, so you always know where you stand and what to work on next.
Know what's coming before it lands
Set income and expenses once and the register projects them forward, so a tight month or a tax bill shows up long before it hits your account. The month runs payday to payday, and UK shapes are native: four-weekly pay lands thirteen times a year, and council tax's ten payments in twelve months needs no workaround. On Plus, each bank transaction is matched to the planned payment it belongs to, and the matched amount replaces the estimate in every figure.
Start with the decision on your mind
Guided journeys turn a big question into an answer on your own numbers: when you can retire, whether that house fits, whether to overpay or invest.
Explore the questions
Then stress-test it against a century of markets
One engine walk prices everything, from this month's left to spend to a drawdown decades out, with growth, inflation, and UK tax accounted for; there is no second model to disagree with the first. A Monte Carlo simulation then replays your plan through 250 trials drawn from real market history to show how much weight it can bear.
Read how projections workFAQ
What is Doughsense?
A planning tool that shows where you stand today and projects where you're heading: accounts, budget, and a lifetime timeline with compound growth, inflation, and UK tax accounted for.
How is it different from budgeting apps?
Budget apps stop at the month. Projection tools stop taking in your transactions. Doughsense runs both on one model, so the month and the decades answer each other, and we have not found another product that does that.
What does it cost?
The full planning engine is free with manual data, forever. Plus adds bank feeds and automation for £80 a year or £10 a month, with a 14-day trial that starts when you connect your bank.
Is my data safe?
Encrypted in transit and at rest, never sold, never shared with advertisers. We are funded by subscriptions, not your data.
What would change if you could see 30 years ahead?
Model a career change, see when you'll be debt-free, or find out if early retirement is realistic.
Questions? Get in touchFree with manual data, no card. A 14-day Plus trial starts when you connect your bank.