You asked
Can I afford a £5,000 holiday to Japan next year?
Typed, not configured. No category picker, no budget builder, no set-up wizard first.
Not just a chatbot
Ask it anything about your money. It answers with your numbers.
One real question, followed all the way to a decision. Scroll and watch it answer in the app.
Working
Checking how your Surplus is set up
It reads your plan before it answers - the surplus, the balances, the goals and the debts you actually have.
The answer
“Yes - under your current plan, a £5,000 Japan holiday in 2027 looks affordable.”
Reaches £5,000 byJan 2027
Planned monthly surplus£1,000
Cash today£4,150
High-interest debt£6,300
“I wouldn’t fund it from today’s cash” - a yes with a condition, not a cheer.
You pushed back
Should I clear the Barclaycard before saving for it?
One line. It already knows which card, what it costs you and what you were saving for.
The call
“Yes. Clear the Barclaycard before saving specifically for the Japan holiday.”
1 · Barclaycard£4,200 · 24.9%
2 · Amex Gold£2,100 · 22.4%
3 · Holiday fundafter
Keep the £100 monthly payment, don’t drain the £4,150 buffer. An order you could start today.
The question
You ask like a person
Ask the thing you’d ask a friend.
No forms, no categories, no jargon. Type the question the way it actually sits in your head.
You asked
Can I afford a £5,000 holiday to Japan next year?
Typed, not configured. No category picker, no budget builder, no set-up wizard first.
The evidence
It checks your money
Then it goes and looks.
Not a search of the internet - a read of your plan: your surplus, your balances, your goals, your debts.
Working
Checking how your Surplus is set up
It reads your plan before it answers - the surplus, the balances, the goals and the debts you actually have.
The answer
It shows the working
A yes with the reasons attached.
When the money reaches the goal, what it would cost to fund it today, and the debt it would rather you cleared first. Your numbers, not averages.
The answer
“Yes - under your current plan, a £5,000 Japan holiday in 2027 looks affordable.”
Reaches £5,000 byJan 2027
Planned monthly surplus£1,000
Cash today£4,150
High-interest debt£6,300
“I wouldn’t fund it from today’s cash” - a yes with a condition, not a cheer.
The push-back
You can argue with it
Ask the obvious next question.
It keeps the thread. You don’t restate your situation, and it doesn’t forget what it just told you.
You pushed back
Should I clear the Barclaycard before saving for it?
One line. It already knows which card, what it costs you and what you were saving for.
The call
It commits to an order
And it tells you what to do first.
The highest-rate card, the payment to keep, the buffer not to raid. A plan you could act on this afternoon.
The call
“Yes. Clear the Barclaycard before saving specifically for the Japan holiday.”
1 · Barclaycard£4,200 · 24.9%
2 · Amex Gold£2,100 · 22.4%
3 · Holiday fundafter
Keep the £100 monthly payment, don’t drain the £4,150 buffer. An order you could start today.
Answers you can actually check.
01
Your numbers, not averages
Every answer is computed from your balances, plan and debts - never a generic rule of thumb.
02
It shows the working
Relief, allowances, APRs and gates are modelled, then applied in order - so you can check it.
03
It will tell you no
When the answer is not yet, it says so, and tells you what would have to change first.