see your money before it happens

Most budgeting apps dwell on your past. fintellect forecasts your future. Next week. Next month. Next year. One day at a time.

privacy notice coming soon

fintellect is free during beta.

ForecastExample view
Lowest balance in the next 30 days:−£210Around 12 March — recovers on 15 March when your income lands.
£2,500£1,250£0−£2101 Mar10 Mar20 Mar30 Mar
Projected balanceOverdraft (£0)
Forecast · March 2026Example view
MonTueWedThuFriSatSun
1£1,850
2£1,790
3£1,640
4£1,610
5£1,520
6£1,480
7£1,300
8£1,050
9£760
10£420
11−£60
12−£210
13−£95
14£110
15£2,380
16£2,320
17£2,210
18£2,180
19£2,050
20£1,990
21£1,900
22£1,820
23£1,760
24£1,690
25£1,610
26£1,540
27£1,470
28£1,390
29£1,330
30£1,270
31£1,210
OverdraftToday
Forecast snapshotExample view
Lowest balance in view−£210
Around12 Mar

Balance trend (illustrative)

what fintellect does

one forecast. everything else follows.

Forecast

Your income, bills, and balances, projected day by day — up to two years out. See which months will be tight. Know your lowest balance, and the day you'll hit it.

Debt Plan

No generic calculators — fintellect builds a payoff plan around your real cash flow. See your debt-free date, and watch it move closer.

Savings

Set a goal. Pick a date. fintellect shows what to put aside each month to reach it — compound interest included — and whether you're on track.

£3,200 saved£5,000 goal
forecast

see every day of the next two years.

fintellect shows your projected balance for every single day, across all your accounts at once, up to two years ahead.

Set up your bills, income, and balances once, and fintellect carries them forward. A few minutes a week keeps it current — no bank connection needed.

Tap any day to see its ins and outs. Low points show up long before you reach them — so "I'll probably be fine" never turns into "oh."

Join the beta waitlistfintellect is free during beta.
Forecast · March 2026Example view
MonTueWedThuFriSatSun
1£1,850
2£1,790
3£1,640
4£1,610
5£1,520
6£1,480
7£1,300
8£1,050
9£760
10£420
11−£60
12−£210
13−£95
14£110
15£2,380
16£2,320
17£2,210
18£2,180
19£2,050
20£1,990
21£1,900
22£1,820
23£1,760
24£1,690
25£1,610
26£1,540
27£1,470
28£1,390
29£1,330
30£1,270
31£1,210
OverdraftToday
universal credit

claiming Universal Credit? you'll see that too.

For millions of people, income isn't a fixed number — and Universal Credit moves more than most. Earn a bit more or save a little more, and your award shifts with it. Miss that, and every forecast is wrong.

fintellect models the actual rules:

  • assessment periods
  • the £6,000 and £16,000 capital limits
  • tariff income — £4.35 a month for every £250 above £6,000
  • deductions taken straight from your award

Part of the same forecast as everything else.

UC award · this periodExample view
Assessment period10 Feb – 9 Mar
Standard allowance£393.45
Housing element£612.00
Earnings taper−£182.10
Tariff income (£8,250 capital)−£39.15
Award paid£784.20

Tariff income: £4.35 a month for every £250 of capital above £6,000. Figures illustrative — last reviewed Jun 2026.

why we charge

you're never the product.

fintellect charges a simple, fair price. That's the whole business model.

Your data never leaves fintellect. We don't sell, share, or train AI on it — not to advertisers, not to brokers, not even "anonymised" or "aggregated."

It's manual-first. Your bank account only links if you choose to — never as the only way in.

how fintellect compares

only one column does everything.

your bankspreadsheetsbudgeting apps
Balance for every future day—manualpartial
Up to two years ahead—manual—
Debt plan around your cash flow—manualpartial
Models Universal Credit———
No bank connection requiredn/a✓partial
No ads, no data-sellingpartialpartialpartial
FAQ

common questions.

By design. You update your balances yourself — about five minutes a week. It keeps you conscious of your money, instead of letting an app track it in the background where it's easy to stop noticing. An optional connection may come later, never as the only way in.
No — fintellect does the maths. You add your income, bills, and balances; it works out the rest. The whole point was the power of a good spreadsheet without having to build one.
Yes. fintellect is built to handle how Universal Credit actually works — assessment periods, capital limits, deductions — so your forecast reflects your real award, not a flat guess.
Yes. It never leaves fintellect — we don't sell it, share it, or train AI on it, not even "anonymised."
No. fintellect is a budgeting and forecasting tool, not a regulated financial service. It shows you what's coming; what you do about it is yours to decide.
Nothing during the beta. When we open to everyone, there'll be one simple plan — we'll share the details then.
Soon — sign up just below and you'll be among the first in, free for the whole beta.

stop guessing. start seeing.

privacy notice coming soon

fintellect is free during beta.