The money clock
What your savings, dividends and rent pay for, as the hour of the day they pay for your life until.
The CoreFi app, showing a demonstration family. Not a real account.
Everyaccount.Everydebt.Everygoal.
See your money the way a professional would: what your debt really costs, how long your savings last, and what your cash could be doing instead.
Open Banking through TrueLayer (FCA-authorised)Read-only: we never move your moneyiOS app on TestFlight
An invented household, for illustration
Your money, in time
Your money pays for your life until 5:45am
Savings interest, a few dividends, a let flat’s rent: what their money earns without them covers 24% of what they spend. Said as time, it pays for every day until 5:45am. The day the hand comes round to midnight again, work is optional.
midnight6amnoon6pm
05:45every morning
What their money earns on its own £803$803 a month
What their life costs £3,350$3,350 a month
Another £100$100 a month of it moves the hand to 6:28am: 43 more minutes of every day.
Savings, in time
How long the money would last
Not a balance, a length of time: how many days the money they could reach would carry them if the pay stopped, and what a smaller month would add.
If the pay stopped tomorrow
864 days
2 years 4 months and 24 days on the £104,000$104,000 they could reach (cash, savings and investments they could sell in days), at what leaves the account each month.
Trim the flexible spending by a fifth and the same savings last 54 days longer.
Debt, in time
Every debt is years of your life
Each balance drawn as the time it has left to run, what it costs a day, and how much sooner it ends with a little more each month.
Debt, in timeInterest on the card and the loan: £4.37$4.37 a day
- Credit card £3,800$3,8001 year 7 months sooner
- Car loan £8,200$8,2006 months sooner
- Mortgage £186,000$186,0004 years sooner with £150$150 more
£100$100 a month more clears the card and the loan in 2 years 6 months instead of 3 years 6 months, and saves £1,444$1,444 of interest.
Spending, in time
A month, in days of pay
What cannot be skipped, what moves month to month and what recurs, built from their own statements, and how many days of each month's pay each one takes.
A month of pay, day by dayEssentials take the first 14 days
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12
- 13
- 14
- 15
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- 26
- 27
- 28
- 29
- 30
- Essentials£1,870$1,870 · 14 days
- Flexible£1,060$1,060 · 8 days
- Recurring£420$420 · 3 days
- Left to decide£550$550 · 4 days
What you may be owed
Money people leave unclaimed
Allowances and gaps people most often miss, checked against their own circumstances and worked out in pounds and in years. Rules applied to the figures they give, not advice.
Allowances and credits people most often leave unclaimed, checked against the rules where they live.
- Marriage Allowance£252$252 a yearOne of them earns under the Personal Allowance. Transferring part of it is worth £252 a year, and can be claimed back for the 4 years before: £1,260 in all.Work out yours
- Gaps in the State Pension+£717$717 a year2 missing years of National Insurance cost £1,830 to fill, add about £717 a year to the State Pension for life, and pay for themselves in 3 years 2 months of drawing it.Work out yours
Time, not just numbers
Every figure, in the one unit you cannot earn back
The hour your money pays for, the months your savings last, the years a debt has left. Then, only if you want it, all the depth below.
The app
Everything you own and owe, worked out
Real screens from the CoreFi app, showing our demonstration family. Every figure on them was worked out by the app from their accounts.
What the app works out for you, from your own accounts.
Net worth
Every bank, card, pension, property, share and coin in one figure, with a chart that says what moved it.
Investments
Every holding priced through the day, against what you paid for it, with gains and allocation.
Property and mortgages
Equity, loan to value, what each let returns after costs, and your payment when the fixed rate ends.
Credit and debt
Every card and loan, what it costs a day, and the month you will be free of it at what you pay now.
Spending
What you cannot skip, what moves month to month, and what recurs, built from your own statements.
Crypto
Wallets and exchanges in one place, against what went in, with gains worked out the way HMRC pools them.
Tax
What is left to pay and when, payments on account included, worked out from HMRC's published rates.
Your business
What your company is worth, worked out five ways, with its accounts kept in step through Xero.
A wealthier invented household, for illustration
Depth, when you want it
Start with one figure
Everything a wealthier household owns, priced through the day. Most people never need what follows. If you hold a fund, a start-up or a few coins, it is all worked out too.
Everything you own£2,005,900$2,005,900Priced through the day
Where it sits
Then see what it is made of
Eight families of assets, each sized by what it is worth, and every holding inside its own. Any block opens.
How the wealth map worksProperty£1.1m$1.1m · 56%
Main home£820k$820k
Buy to let£310k$310k
Private markets£312k$312k · 16%
Vellmoor Growth Partners III£228k$228k
Tallowmere Robotics£64k$64k
Orrowfield Bio£20k$20k
Shares and funds£310k$310k · 15%
Stocks and shares ISA£214k$214k
General account£96k$96k
Cash and savings£91k$91k · 5%
Premium Bonds£50k$50k
Easy access£41k$41k
Crypto£79k$79k · 4%
Bitcoin£54k$54k
Ether£19k$19k
Solana£6k$6k
Bonds and gilts£48k$48k · 2%
Gilts£48k$48k
Precious metals£22k$22k · 1%
Gold£22k$22k
Collectibles and other£14k$14k · 1%
Watches£14k$14k
Private markets
Open a fund and watch its J-curve
Every call and distribution, the cash position dipping below zero and climbing back. IRR, TVPI and DPI worked out from the flows themselves, never typed in.
How a fund is measuredVellmoor Growth Partners III · vintage 2021
- IRR
- +13.2%
- Worth per £1 paid in
- 1.55x
- Back in cash
- 0.41x
EIS and SEISHolding periods
Every relief runs on a clock
Sell inside three years and the income tax relief goes back to HMRC. £25,000$25,000 of this household’s relief is still conditional, and each investment counts down its own days.Every holding period on the book counts down its own days, with what rides on the date said beside it.
How the relief clock worksTallowmere Robotics · EIS
Day 1,053 of 1,096
£15,000 of income tax relief rides on it, and £40,000 of deferred gain comes due on sale.
What rides on the date, said beside it.
Orrowfield Bio · SEIS
Day 964 of 1,096
£10,000 of income tax relief rides on it.
What rides on the date, said beside it.
Crypto
Each coin against what it cost
Wallets and exchanges in one book, with every disposal matched to its cost the way HMRC matches it. A gain is worked out, not guessed.Wallets and exchanges in one book, and every coin against what it cost.
How cost is matchedWorth against what it cost+£20,500$20,500 on £58,900$58,900 paid in
- BTC+70%
- ETH+10%
- SOL-37%
- Same day
- Next 30 days
- Section 104 pool
Or none of it
One figure, if that is all you want
Every layer under it, the moment you do. Nothing to set up for the parts you never open.
Everything you own£2,005,900$2,005,900Priced through the day
Your moneySee it the way a professional wouldEvery account, debt and investment in one place, and what each one is really costing or earning you.Join the waitlistBusiness fundingTell us what you needWe match your business with lenders on our UK panel, and a broker works the deal to funding.Get matchedCompany reportsCheck a UK company from £39Accounts, ownership, charges and risk, verified and compiled into one report and sent to your inbox.Check a companyPartnersEarn on the deals you bringAgents keep up to 70% of the commission on deals they fund. Introducers and brokerages welcome.Become an agent
What CoreFi shows you
The questions a professional asks about your money, answered with your own numbers.
Debt, as time
2 years 10 months sooner
Add £100 a month to a £4,000 card at 24.9% and it is gone 2 years 10 months sooner, with £1,801 less interest.
Try it with your cardYour mortgage
£29,284 less interest
£150 a month more on a £200,000, 25-year mortgage at 4.5% clears it 4 years 10 months early.
See your mortgageCash, standing still
£2,729 of buying power lost
£20,000 in savings at 1.5% loses that much to 3% inflation over 10 years. At a 5% return it would buy £4,241 more instead.
Check your savingsYour home
£123,034 of equity
- Your deposit£45,000
- Repaid so far£38,034
- The market£40,000
A £300,000 home bought 6 years ago with 15% down, now worth £340,000: here is what that equity is made of.
Understand your equityIllustrative cases worked out by CoreFi's own calculators. Rates, inflation and returns are assumptions, not forecasts or advice; past performance is not a guide to the future.
Works with your banks, exchanges and wallets
Your UK bank accounts and cards through Open Banking, plus exchanges, wallets and Xero. See everything we connect to
Names and logos are trademarks of their owners, shown to indicate services CoreFi connects to. No endorsement is implied.
Pricing
Two plans. A founding price if you join now.
Join the waitlist and subscribe within 14 days of launch to keep the founding price for your first 12 months. No free tier and no trial: you pay for what it shows you.
CoreFi
Everything a household runs on: banks, credit and debt, mortgages, investments and tax.
£19.99a month
or £199 a year, saving 17%
Founding price £9.99 a month (£99 a year) for your first 12 months
- Connect your UK banks and cards through Open Banking
- What your debt costs you, and the fastest way out of it
- Mortgages: equity, repayments and when your fix ends
- Investments and crypto against savings rates
- Self Assessment, capital gains and the year's tax dates
- Net worth, goals and cash flow forecasts
CoreFi Private
For business owners and complicated tax: crypto, company value and HMRC.
£49a month
or £490 a year, saving 17%
Founding price £24.99 a month (£249 a year) for your first 12 months
- Everything in CoreFi
- The full UK crypto tax engine: Section 104, same-day and 30-day rules
- Your company's value, with Xero
- A tax risk review, with your HMRC link
- R&D relief, IR35 and P11D tools
- Priority support
Business funding
Funding for UK limited companies, matched and brokered
Tell us what you need. We compare lenders across our UK panel and a broker takes the deal to funding. No fee to search and no obligation.
Company reports
Check a UK company before you trust it
Filed accounts cross-checked, ownership, charges, insolvency notices and a risk read, compiled into one report. One-off, no subscription.
Partners
Bring the deals. Keep most of the fee.
Self-employed agents keep 55% to 70% of the commission on deals they source, rising with what they fund. Introducers, brokerages and lenders have their own programmes.
55%Agent
60%Associate Agent
65%Senior Associate Agent
70%Executive Agent
Share of commission on deals you source yourself. Referred and organic leads pay less.
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.
Frequently Asked Questions
Everything you need to know about CoreFi
Absolutely. All data is encrypted at rest with AES-256 and in transit with TLS 1.3. We use Supabase (built on PostgreSQL) with Row Level Security, meaning your data is isolated at the database level. We never sell your data to third parties.
CoreFi uses TrueLayer for Open Banking, supporting all major UK banks including Barclays, HSBC, Lloyds, NatWest, Santander, Monzo, Starling, Revolut, and many more. Over 90% of UK current accounts are supported.
No. CoreFi is a paid product: no free tier and no trial. Everything on this website is free to use without an account, including the money calculators, guides and courses. Join the waitlist to be offered the founding price when we launch.
CoreFi (£19.99 a month) connects your banks and cards and shows what your debt costs, your mortgage and equity, your investments against savings rates, and your tax. CoreFi Private (£49 a month) adds the full UK crypto tax engine, your company's value with Xero, a tax risk review with your HMRC link, and priority support. Waitlist members who subscribe within 14 days of launch pay £9.99 or £24.99 a month for their first 12 months.
No. Instead, you can cancel within 14 days of subscribing for a full refund, under the Consumer Contracts Regulations 2013.
Yes, you can cancel anytime from Settings > Subscription. Your access continues until the end of the billing period. Under the Consumer Contracts Regulations 2013, you have a 14-day cooling-off period from the date of purchase to cancel for a full refund. No refunds are given after the cooling-off period.
No. CoreFi is a financial tracking and analysis tool, not a financial adviser. Our educational content is for information purposes only. CoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). For regulated financial advice, please consult an FCA-authorised adviser.
Go to Settings > Privacy > Export Your Data. You can download a complete copy of all your financial data in JSON format at any time. This is your data; you own it. Subscribers can also export CSV and PDF reports.
All your data is permanently and irreversibly deleted, including financial snapshots, transactions, goals, connected accounts, and your login credentials. We comply with GDPR Article 17 (Right to Erasure). You can export your data before deletion.
CoreFi is a financial tracking tool, not a financial services provider. We do not hold or manage your money. Our Open Banking integration is powered by TrueLayer, which is FCA-authorised and regulated (FRN: 901096). We are registered with the ICO for data protection.
Yes! CoreFi supports multiple portfolios (e.g., 'Personal', 'Partner', 'Business'). Each portfolio has its own dashboard, goals, and projections. You can also view an aggregated view across all portfolios.
CoreFi includes a full suite of UK financial tools: Self Assessment wizard, VAT return prep, corporation tax estimator, CGT calculator, dividend planner, pension allowance monitor, ISA tracker, and more. All use the current tax year's UK rates, updated when a Budget changes them.
See your
full picture.
Everything you own and owe in one live picture, with the tax worked out. CoreFi opens to the waitlist first.
Founding price for waitlist members · Cancel within 14 days for a full refund