Money management for everyone · UK-wide

Save. Budget. Earn.

MyMonies turns whatever comes in — Wages, Universal Credit, Pension, or all three — into a clear weekly plan. Bills are set aside first, savings happen automatically, and you keep every pound you're owed.

WeeklySame amount every Monday

AutomaticSavings you never notice

YoursMoney stays in your own bank

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How it works

Set up once. Then it just runs.

You keep your own bank account. MyMonies never holds your money — it moves it for you, inside your own bank, with your permission.

Connect your bank

One press, one glance at your banking app's Face ID. That's the whole sign-up. Nothing to type, nothing to work out.

Payday gets a plan

When your payment lands, bill money is set aside straight away, savings are put first, and the rest is split into equal weeks.

Money every Monday

The same amount, every week. Bill money comes back the day before each bill. No guessing what's safe to spend.

The app

Have a look round.

Screens from the working prototype of MyMonies — the version we're taking to the first users.

This week screen — **This week**What's left, what's next Monday, bills covered, saved so far.

Bills screen — **Bills**Set aside on payday, back the day before each one.

Saver screen — **Saver**Only saves money the month didn't use. Mondays never go down.

Money back screen — **Money back**Unclaimed benefits, social tariffs, refunds owed.

Paying too much screen — **Paying too much**Where being skint costs extra — and the cheaper route.

Monthly receipt screen — **Monthly receipt**One page: what came in, where it went, what it did.

Also in the works

MyMonies Workspace — for people in work

The same idea for wages: your pay tracked shift by shift, a plan for payday, and a forecast you can trust.

Workspace today screen — **Today**Safe to spend, earned so far, what's coming.

Workspace payday plan screen — **Payday plan**One tap sorts the month before it starts.

Workspace goals screen — **Goals**Pots that fill themselves on payday.

Earlier MyMonies prototype home screen — **Earlier version**Jars and round-ups — where MyMonies started.

Earlier MyMonies prototype jars screen — **Budget jars**Bills, food, savings, transport — each in its own jar.

What it does

Budget. Save. Get money back.

Built for a five-week payment cycle, deductions, and a balance that has to stretch. Not for people with money to play with.

This week

Weekly money

Your monthly payment becomes a Monday payment. Bills are safe before you see a penny, so the week's money is really yours.

Bills

Bills covered before you can spend

Bill money is set aside on payday and comes back the day before each one. Nothing bounces because you spent it on a Tuesday.

Saver

Savings first, without deciding

Round-ups, leftover at the end of the week, and money you never had before — a rate rise, a deduction ending. Your Mondays never go down.

Money back

Claim what you're missing

A benefits check that spots what you're not claiming — including social tariffs for broadband, water and energy. Everything found is yours.

Paying too much

The poverty premium, found

It costs more to be skint — prepayment meters, small top-ups, missed discounts. MyMonies shows where you're paying over the odds and the cheaper way.

Your statement, decoded

Every deduction on your Universal Credit statement in plain words — what it is, how long it lasts, and when your payment goes back up.

Two promises

If we get it wrong, that month is free.

Bills guarantee

Any bill on your list is covered, as long as the money existed on payday. If one ever bounces because we moved money late, that month is free and we cover the charge.

Saving guarantee

We only save what your month didn't use — and every rise. Your Mondays never go down. Nothing moves if you'd be short. If we ever miss a sweep, that month is free.

Once a month

A receipt that shows what your money actually did.

At the end of every cycle you get one page: what came in, what went where, what was put away, and what you'd have paid without it. No charts to interpret. Just the numbers.

Example · August

Payment received£414.00

Bills set asideRent top-up, energy, phone£96.00

Paid to you, 4 Mondays£280.00

Saved for you£38.00

Charges you didn't pay£22.50

Cheaper tariff found£34.50

£414 did the work of £471+£57

Your money

Straight answers about who holds what.

We never hold your money

Everything stays in your own bank account. MyMonies moves it between your own pots, with your permission.

Regulated open banking

Bank connection runs through an FCA-regulated open banking provider. We see your transactions; we never see your login.

Your claim stays safe

Savings are kept well under the limits that matter for Universal Credit. Nothing is done that could affect what you get.

Pause or leave any time

One tap pauses the weekly split. Disconnect and everything is exactly where it was — in your bank.

Questions

Things people ask first.

Does my Universal Credit get paid to MyMonies?

No. It's paid into your own bank account exactly as it is now. MyMonies watches for it landing and then sorts it into bills, savings and weekly money inside your account.

What if I need the money before Monday?

It's your money. You can bring a week forward or pause the split in one tap. MyMonies tells you what that does to the rest of the month, then does what you ask.

Will saving affect my claim?

MyMonies keeps an eye on the savings limits that apply to Universal Credit and won't put money away past a point that could change what you get.

Do I need a new bank account?

No. It works with the bank you already have.