Project your net worth. See what your money becomes.

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.

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.

Setting up Moola is free. 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.

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.

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.

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.