Ryan Kingsley
London, UK
Independent Chartered Financial Adviser (IFA) & Mortgage Broker
FCA-regulated IFA
- Investment Advice
- Holistic Financial Planning
- Mortgages
Net-worth projection & financial-freedom planner
Project your net worth. See what your money becomes.
Add your real numbers and Moola projects your net worth and the age you could be financially free, in about two minutes.
Net worth
£246,800
+£1,850 this month
Freedom age
58
Safety net
6.2 months
Savings rate
24%
🏖 Freedom age
2052
💰 Millionaire
2061
✓ Debt-free
2036
🛟 Safety net
6 months
An illustrative example, not a real account, your dashboard is built from your own numbers. Not financial advice.
Planning with a partner? Moola models your joint household: both incomes, shared property, one freedom age. How couples plan with Moola →
Add your numbers by hand, or connect via FCA-regulated Open Banking (read-only). Never sold, delete anytime.
Bank-level encryption•Read-only Open Banking•We never sell your data
Free · about 2 minutes · no card needed
Join 1,250+ people already mapping their money with Moola
Or try the quick retirement taster →Or explore an example dashboard →
How Moola works
From your numbers to a clear plan, in four steps
No jargon and no guesswork, here’s exactly what happens after you tap the button.
1
What it is
Meet Moola
An AI tool that turns your real numbers into one clear financial picture.
2
Connect
Connect your accounts
Link your bank in seconds with read-only Open Banking, or add your numbers by hand. Connecting is optional, never required.
3
What you get
Manage your future
A personalised dashboard projects your net worth, runway and retirement.
4
What's next
Plan what’s next
Run scenarios, buy a home, retire early. Go Pro for ongoing coaching.
Built for UK money
UK tax rules, modelled in, not bolted on
Most planners ask for a growth rate and stop. Moola works out what you actually keep, using the same rules HMRC does.
ISA, SIPP and LISA
ISA contributions stay inside the annual allowance, SIPP payments get basic-rate relief added, and a LISA earns its 25% bonus.
Plan 1 to Plan 5 student loans
Repayments come off your salary at your plan’s threshold and rate, month by month, until the balance is cleared.
Salary sacrifice
Sacrificed pay goes into your pension before tax and National Insurance, so you see both the smaller pay packet and the bigger pot.
National Insurance
National Insurance comes off at the current thresholds, so take-home is a real figure rather than a rough percentage.
Income tax bands
Personal allowance, basic, higher and additional rate, including the allowance taper once income passes £100,000.
State pension
The state pension is added from state pension age, so retirement income isn’t only what you’ve saved yourself.
Check your take-home on the tax page →
Outside the UK? Moola also models US and German income tax. Anywhere else, you project from your take-home pay.
Ask anything
Model a decision by just asking
Moola's chat knows your numbers. Ask what a move would do, or what a term means, and get an answer in plain words.
MAsk Moola
What if I put £300 more a month into my pension?
M
That brings your financial freedom age forward by about 3 years, your projected pot at 67 goes from £810k to £963k. Want me to save this as a scenario so you can see it on your chart?
Ask about your money…What if I put £300 more a month into my pension?↑
Projected net worth
NowWith +£300/mo
Financial freedom at
5855
✓Saved as a scenario
“Can I afford a £450k house?”“What does salary sacrifice mean?”“What if I take 6 months off?”
Illustrative example. Moola answers with your own figures, it never gives financial advice.
Human coaches
Talk to a human coach
Moola gives you the numbers; a coach helps you act on them. Book a session with an FCA-regulated adviser, an expat specialist or a money-mindset coach, all in the Moola directory.
Andrei Logvinenko
Netherlands
Career & Financial Transition Coach
- Expat Finance
- Career Transitions
- Cross-Border Wealth
Kathryn Main
South Africa
Award-Winning Entrepreneur & Financial Education Instructor
- Money Mindset
- Debt Freedom
- Wealth Building
Your data stays yours
Before you type a single number, here’s how it’s handled. No data is ever sold, and you’re in control of what you share.
Encrypted connections
Your data travels over encrypted connections. Bank connections and uploaded documents are encrypted in our database.
Try before you connect
Type your numbers in to start, connecting a bank account is optional, never required.
Read-only Open Banking
If you do connect, it’s read-only through FCA-regulated Open Banking. Moola can never move your money.
Is Moola for you?
Built for some jobs, honest about the rest
Moola is for you if…
you want to know if you're on track, the age you could stop working, how long your safety net would last, and what a house, a move or a career break would change. Built for the UK, and for expats managing money across countries.
It's not for you if…
you're after stock picks, day-trading tools or someone to manage your investments, Moola does none of that. And if you want regulated financial advice, that takes a human adviser; Moola gives you the numbers to bring to them.
What users say
From people mapping their money
“I now know where I stand, where my shortfall is and where I can make improvements.”
“It's the first app I've seen that successfully bridges the gap between a budgeting tool and professional wealth modelling platform.”
“Educated me on my financial behaviours and has really helped me think in a direction I've never been taught before…”
“It's simple, clear and easy to navigate, which makes a big difference.”
Before you start
Questions people ask first
Is my bank data safe?
You don't have to connect a bank at all, you can type your numbers in by hand. If you do connect, it's read-only through FCA-regulated Open Banking, so Moola can see balances but can never move your money. Your data travels over encrypted connections, is never sold, and you can delete your account, and everything in it, whenever you want.
Is this financial advice?
No. Moola is a financial-planning and information tool, not an adviser. Projections are illustrative and based on the assumptions you provide. For a personal recommendation you'd speak to a qualified financial adviser, Moola is somewhere to think it through first and arrive at that conversation knowing which questions are yours to ask.
What does Moola Pro cost?
Moola is free to start and needs no card. Moola Pro is £10.99 a month, or £99.99 a year. Pro adds unlimited what-if scenarios, bank connections that stay fresh, Ask Moola on WhatsApp and ongoing coaching. You can cancel any time from your account page.
Do I have to connect my bank, or can I type my numbers in?
Typing them in works completely, that's the default, and plenty of people never connect anything. Connecting a bank just saves the typing and keeps balances up to date automatically. It's optional, never required, and read-only either way.
Can my partner and I plan together?
Yes, Moola models a joint household plan, including both incomes, shared property and how expenses split between you. Pro covers the person who subscribes, including your joint plan; your accounts stay shared either way, and your partner only needs their own Pro to build scenarios from their side.
Does Moola work outside the UK?
Yes, with one limit worth knowing. Moola shows the accounts of the country you live in, ISAs, SIPPs and LISAs in the UK, 401(k)s, IRAs and HSAs in the US, Super in Australia, CPF in Singapore, and you can hold accounts across several countries and currencies at once, all converted into your reference currency. Full tax modelling covers the UK (income tax, National Insurance and Plan 1 to Plan 5 student loans) and the US (federal and state income tax). Everywhere else, you project from your take-home pay.
Independent reviews
Used Moola? Say what it did for you
Reviews are collected on Trustpilot, independently of Moola. Good or bad, they help the next person decide.