Ryan Kingsley
Independent Chartered Financial Adviser (IFA) & Mortgage Broker
London, UK
FCA-regulated IFA
- Investment Advice
- Holistic Financial Planning
- Mortgages
Net-worth projection & financial-freedom planner
Find out when work becomes optional.
Moola projects your net worth on your real numbers, with tax built in, and shows the age work becomes optional. Then lets you try every what-if.
7 days free, no card needed · about 9 minutes · Bank-level encryption · Read-only Open Banking · We never sell your data
Read-only bank access · We never sell your data
Or try the quick retirement tasterOr explore an example dashboard
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.
Supported by
Awards and recognition
Best Fintech Solution, 2026
Best AI-powered Financial Planning Platform – UK, 2026
Women in Fintech Power List, 2025
Top Tech Innovators, 2025
Best Young Entrepreneur, 2025
See it on real numbers
Or explore someone like you
Not ready to add your own data? Open a fully interactive example dashboard, built from a realistic profile. No sign-up needed.
Alex & Sam
Young couple in London
Late 20s, combined income £85k, renting, saving for a house deposit.
Explore dashboardPriya
Tech professional, early 30s
Software engineer earning £72k, homeowner with mortgage, investing in ISA.
Explore dashboardMarco
Italian expat in Dubai
Mid-30s finance professional, $125k salary. Renting in Dubai, property in Italy.
Explore dashboardThe Johnsons
Family with two kids
Mid-40s couple, combined £120k income. Homeowner, planning for retirement.
Explore dashboardThese example dashboards are illustrative only and don’t constitute financial advice.
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.
- 01What it is
Meet Moola
An AI tool that turns your real numbers into one clear financial picture.
- 02Connect
Connect your accounts
Link your bank in seconds with read-only Open Banking, or add your numbers by hand. Connecting is optional, never required.
- 03What you get
Manage your future
A personalised dashboard projects your net worth, runway and retirement.
- 04What's next
Plan what’s next
Run scenarios, buy a home, retire early, with ongoing coaching along the way.
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
Career & Financial Transition Coach
Netherlands
- Expat Finance
- Career Transitions
- Cross-Border Wealth
Kathryn Main
Award-Winning Entrepreneur & Financial Education Instructor
South Africa
- 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 people managing money across countries and currencies.
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.
Planning with a partner? Moola models your joint household: both incomes, shared property, one freedom age. How couples plan with Moola
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 cost?
Every account gets 7 days free with no card. Add a card for 7 more days free, then Moola is £10.99 a month, or £99.99 a year. It includes 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. Your subscription covers you, including your joint plan; your accounts stay shared either way, and your partner only needs their own subscription 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.