Two net-worth projection tools with an AI what-if layer. One is built on UK tax rules; the other is built for a US and global audience.
Segmio leads with "Track your net worth. Project every possible future." and does exactly that: a fast net-worth projection, planning as a couple, multiple currencies, and a natural-language what-if ("Ask any what-if. The AI does the math."). Its taster takes about 30 seconds and it can import from ProjectionLab, YNAB and CSV.
You are outside the UK, you hold money in several currencies, and you want the quickest possible projection with an AI what-if on top.
You live in the UK (or plan to retire there) and want ISAs, pensions, salary sacrifice and student loans modelled properly, with a human coach one click away when the numbers raise questions.
Segmio is described from its public website as of September 2026 and may have changed since; check their site for current details and pricing. Segmio is a trademark of its owner and is not affiliated with Moola. Moola is a planning tool and does not give financial advice.
Yes. Both project your net worth and answer what-ifs with AI. Moola is built for UK households: income tax bands, National Insurance, pension tax relief, ISA/SIPP/LISA allowances and Plan 1 to Plan 5 student loans are modelled without any setup. Segmio is built for a US and global audience.
There is no Segmio importer. You add your numbers by hand in about two minutes, or connect your UK accounts through FCA-regulated, read-only Open Banking on Moola Pro. Connecting is optional and never required.
Yes. Moola models a joint household plan: both incomes, shared property and how expenses split between you, with one freedom age for the household.
A few quick questions, about two minutes, and you get a projected net worth and the age you could be financially free. No card needed.