Everyaccount.Everydebt.Everygoal.
The UK's most complete personal and business finance platform. Track, plan, and grow your wealth, all in one place.
Features
Everything you need.
Nothing you don't.
Open Banking
Connect all your UK banks via FCA-regulated TrueLayer. Balances, transactions, and spending synced automatically. Read-only access means we can never move your money.
Self Assessment Made Easy
A step-by-step HMRC wizard that auto-populates SA100, SA103S, SA105, and SA108 boxes from your bank data. See exactly what goes in each box, with confidence indicators, transaction drill-downs, and a printable summary ready for submission.
Net Worth Projections
10-year forecasts with baseline, optimistic, and pessimistic scenarios. See where you're heading and how small changes today compound into big differences tomorrow.
Enterprise API
OAuth2-secured REST API with scoped API keys, rate limiting, and IP allowlisting. Pull your financial data into your own tools or let your accountant access what they need, nothing more.
Debt Payoff Planner
Compare avalanche, snowball, and hybrid strategies side by side. See total interest saved, your debt-free date, and monthly payment breakdowns.
Cash Flow Forecasting
Predict your balance 6 months out. Get warned before shortfalls happen. See exactly when you'll have surplus and how to allocate it.
Credit Analytics
Multi-rate debt buckets, interest vs principal breakdown, actual APR charged vs stated rate, and a Platform Score from 0-1000 that tracks your credit health.
Financial Calendar
Bills, subscriptions, credit payments, and every UK tax deadline in one view. Never miss Self Assessment, VAT, or Corporation Tax deadlines again.
Business Expense Tracking
Tag transactions as business expenses with a tap. Assign to specific businesses, categorise by type, and export clean summaries for your accountant or HMRC records.
Investments & Crypto
Track stocks, crypto, and ETFs with live prices. Full UK crypto tax engine with HMRC Section 104 pooling, same-day and 30-day bed & breakfasting rules. Log buys, sells, staking rewards, airdrops, and gas fees, then generate a tax report instantly.
Tax Risk Assessment
Know your exposure before HMRC does. Real-time penalty and interest calculations across Self Assessment, VAT, Corporation Tax, and PAYE. A risk score from 0-100 flags overdue obligations, shows your daily cost of delay, and simulates what happens if you miss a deadline. Connect to HMRC via Government Gateway for live data.
Business Funding Platform
Match UK businesses with the right commercial finance in minutes. 16 product types from bridging loans to invoice finance, MCA, asset finance, and R&D tax credit advances. A weighted matching engine scores lenders on amount fit, speed, appetite, and commission. Calculators for every product type.
Portfolio Intelligence
Go beyond basic holdings. Dedicated hubs for ISAs, pensions, bonds and gilts, bullion, property, and EIS/SEIS/VCT. Track allowances, calculate yields, model drawdowns, and see your portfolio diversification with HHI concentration scoring. Tax optimisation suggestions like Bed & ISA and CGT harvesting built in.
Free Education
43 lessons across 5 UK finance courses, completely free and no login required. Crypto tax, money basics, tax optimisation, credit and debt mastery, and investing. Content-as-code with custom rendering, progress tracking, and structured data for search.
Video Studio
Generate cinematic financial recap videos, goal celebration clips, and net worth journey timelines. Think Spotify Wrapped, but for your money. Pro users preview in-browser; Premium users export full MP4s via server-side rendering.
Native iOS App
A full-featured iOS app with FaceID security, 6 financial calculators (affordability, mortgage, vehicle finance, retirement, stamp duty, home office), Open Banking sync, achievement badges, and a luxury serif design. Personal and business modes with one tap. Available now via TestFlight.
Financial Toolkit
41 tools. Zero complexity.
Every calculator, planner, and compliance tool a UK taxpayer could need. From Self Assessment to Inheritance Tax, all powered by your real financial data.
Self Assessment Wizard
SA100/SA103S/SA105/SA108, auto-populated from bank data
VAT Return Prep
MTD boxes 1-9, flat rate scheme, quarterly deadlines
Corporation Tax Estimator
CT600 mapping, marginal relief, payment deadlines
Capital Gains Tax Calculator
Per-disposal breakdown, annual exemption, loss netting
Dividend Tax Planner
Optimal salary/dividend split across 5 scenarios
Child Benefit Checker
High income charge calculator, pension strategy tip
Gift Aid Tracker
Donation aggregation, higher-rate relief, SA reference
Tax Risk Assessment
Real-time HMRC penalty exposure across SA, VAT, CT, PAYE
Penalty Simulator
"What if I miss this deadline?" See costs accumulate in real time
HMRC Government Gateway
OAuth2 link to pull live SA/VAT obligations and liabilities
Time to Pay Calculator
Repayment plans with interest projection, self-serve eligibility
Tax Reserve Calculator
Monthly savings target: income tax + NIC + student loan
Tax Savings Finder
Scan your data for unclaimed deductions, allowances, and reliefs
Mileage Tracker
HMRC-approved mileage rates, multi-vehicle logging, SA export
Investment Portfolio
Track stocks, crypto, ETFs with live CoinGecko prices
Crypto Tax Report
HMRC Section 104 pooling, same-day & 30-day rules, SA108
Transaction Logger
14 types: buy, sell, stake, airdrop, gas, DeFi swap, and more
Crypto Wallet Tracker
Track addresses across 10 chains: Ethereum, Bitcoin, Solana...
CGT Disposal Import
Auto-import crypto disposals into the CGT Calculator
Mortgage Application Pack
Lender-ready export: income, statements, commitments
Affordability Calculator
Stress-tested at +3%, what-if scenarios, LTV analysis
Stamp Duty Calculator
SDLT, LBTT, and LTT for all 3 UK nations with FTB relief and surcharges
Credit Score Action Plan
Prioritised steps with estimated point impact
Vehicle Finance Calculator
PCP, HP, and personal loan comparison with running costs
Pension Allowance Monitor
£60k limit, carry-forward, tapered allowance
ISA Allowance Tracker
£20k usage across Cash/S&S/IFISA/LISA types
Student Loan Forecast
Payoff date, write-off projection, overpayment analysis
Marriage Allowance Transfer
Eligibility check, £252/year saving, backdating
Inheritance Tax Planner
NRB/RNRB, gift taper relief, reduction strategies
Retirement Planner
Year-by-year projection: pension, ISA, state pension, retirement gap
State Pension Visualiser
NI record timeline, gap analysis, voluntary NIC ROI calculator
Companies House Accounts
Micro-entity balance sheet and P&L generator
Home Office Tax Calculator
Three HMRC methods compared: simplified, actual costs, employed WFH
R&D Tax Relief Prep
Qualifying expenditure, SME/RDEC scheme calculation
IR35 Risk Assessment
10-factor questionnaire with CEST comparison
P11D Benefits Tracker
Company car BIK, medical insurance, tax impact
Receipt Vault
HMRC 6-year retention, receipt scanning, expense categorisation
Bridging Loan Calculator
Rolled-up vs serviced interest, LTV analysis, exit strategy comparison
Invoice Finance Calculator
Factoring vs discounting side-by-side, effective APR, net received
MCA Calculator
Factor rate projection, daily deduction, cash flow sustainability score
RBF Calculator
Revenue-share scenarios, repayment cap projection, margin impact
All tools use 2025-26 UK tax rates and HMRC-accurate calculations
How it works
Three steps to clarity
Connect your banks
Link your UK bank accounts in seconds via Open Banking. Read-only access only, so we can never move your money.
See everything
Balances, spending, debts, investments, and net worth in one dashboard. Updated automatically.
Plan and grow
Set goals, run projections, pick debt strategies, and track progress. Watch your wealth build over time.
Comparison
How CoreFi compares.
A factual look at what each UK personal finance platform offers. No spin, just features.
| Feature | CoreFi | Emma | Money Dashboard | Plum | Snoop |
|---|---|---|---|---|---|
| Open Banking (auto-sync) | |||||
| Net worth tracking | Partial | ||||
| Debt payoff planner | |||||
| Investment tracking | Partial | Partial | |||
| Crypto tax (HMRC compliant) | |||||
| Self Assessment helper | |||||
| Financial calendar | |||||
| Tax risk assessment | |||||
| Free financial education | Partial | ||||
| Business expense tagging | |||||
| Credit analytics | Partial | Partial | |||
| Cash flow forecasting | Partial | Partial | |||
| API access | |||||
| UK tax year aware |
Comparison based on publicly available information as of February 2026. Features may have changed since this was last updated.
Sources: CoreFi, Emma, Money Dashboard, Plum, Snoop
CoreFi vs tax software
CoreFi combines personal finance tracking with tax tools that usually cost extra.
| Feature | CoreFi From free | QuickBooks From £12/mo | FreeAgent From £14.50/mo | TaxScouts From £169/return | GoSimpleTax From £58.44/yr |
|---|---|---|---|---|---|
| Personal tax return | |||||
| Self-employed tax | Paid add-on | ||||
| VAT return prep | |||||
| Corporation Tax | |||||
| Bank account tracking | |||||
| Expense receipts | Partial | ||||
| Tax deduction finder | Partial | Partial | |||
| Tax risk assessment | |||||
| Pension / retirement planning | |||||
| Investment & crypto tax | Partial | Partial | |||
| Debt payoff planner | |||||
| UK tax date calendar | Partial | ||||
| Free education content | Partial | Partial | Partial | ||
| Open Banking sync |
Pricing and features based on publicly available information as of February 2026.
Sources: CoreFi, QuickBooks, FreeAgent, TaxScouts, GoSimpleTax
Your Savings Dashboard
See exactly how much CoreFi saves you
Every tool you use records the saving it finds. Your dashboard keeps a running total — so you always know whether your subscription is paying for itself.
The average UK taxpayer misses over £500/year in unclaimed allowances. CoreFi finds them automatically.
Potential savings identified
£3,548
2025-26 tax year
Marriage Allowance transfer
Tax deduction
£252
Unclaimed pension relief
Pension relief
£480
Balance transfer saving
Balance transfer
£614
Work from home allowance
Tax deduction
£312
Mileage claim (4,200 mi)
Mileage claim
£1,890
Example based on a self-employed UK taxpayer
Pricing
Simple, honest pricing
Start free, upgrade when you're ready. Cancel anytime.
Free
Get started with the essentials
- 14-day Pro trial included
- Connect 1 UK bank account
- Dashboard & net worth tracking
- 3 financial goals
- Credit profile & Platform Score
- Debt payoff calculator
- Financial calendar with UK dates
- Achievement badges
- Tax summary overview
Pro
PopularFor serious money managers
£8.25/month billed annually
- Everything in Free
- Open Banking (connect all UK banks)
- Unlimited goals
- Net worth projections (10-year)
- Cash flow forecasting
- 29 financial tools (SA, VAT, CGT, crypto tax...)
- Investment & crypto portfolio tracking
- Self Assessment wizard (HMRC export)
- Mortgage application pack
- Business expense tagging
- Video previews
- Data export (CSV/JSON)
- Smart notifications
Premium
Complete financial command centre
£20.75/month billed annually
- Everything in Pro
- Enterprise API (OAuth2, scoped keys)
- All 29 financial tools
- Tax Risk Assessment & HMRC link
- Full crypto tax engine (S104, same-day, 30-day rules)
- Penalty simulator & Time to Pay calculator
- Business equity & Xero integration
- R&D Tax Relief, IR35, P11D tools
- Behavioral spending insights
- Educational financial content
- Video exports (MP4)
- Priority support
Open Banking via TrueLayer
Bank connections powered by TrueLayer (FCA FRN: 901096), an FCA-authorised provider. Read-only access only — we can never move your money or make payments.
256-bit Encryption
All data encrypted in transit (TLS 1.3) and at rest. Your financial data is protected to banking standards.
GDPR Compliant
Your data is yours. Export or delete everything at any time. We never sell your data to third parties.
Free Education, No Strings
43 free lessons on UK tax, investing, credit, and crypto. No paywalls, no upsells. We believe financial literacy should be free for everyone.
Integrations & Connections
Connected to the tools you rely on
Direct API connections to banks, HMRC, accounting platforms, and market data providers.
Open Banking account connections. Sync balances, transactions, and account details from UK banks in real time.
Pull balance sheets, P&L reports, and business financials. Powers the Business Equity valuation engine.
OAuth2 connection to HMRC for Self Assessment, VAT MTD, NI record, and tax obligation data.
Subscription billing, Payment Links for broker invoices, and webhook-driven payment reconciliation.
Real-time and historical cryptocurrency prices. Supports 10,000+ tokens with tiered caching.
Stock and ETF prices for portfolio holdings. Equities, funds, and index data.
Live spot prices for gold, silver, platinum, and palladium. Powers the bullion dashboard.
Gilt yields and base rate data. Used for bond valuations and late-payment interest calculations.
Supported UK Banks
Bank connections powered by TrueLayer (FRN: 793171)
Free Education
5 courses. 43 lessons.
Completely free.
Clear, jargon-free explanations of UK tax, investing, credit, and crypto. Cited sources. No paywalls. No financial advice. Just education.
Frequently Asked Questions
Everything you need to know about CoreFi
Ready to see the
full picture?
Connect your bank in under 2 minutes. Start tracking your wealth today.
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