A plan that’s yours — and alive.
A real financial plan — not a budget tracker, not a calculator. Built around your goals on a rigorous planning framework: every priority in the right order, always explained, and kept current as life changes.
The problem Finch exists to solve
Most people in the UK don’t have a financial plan.
Not because they don’t need one — because the old model was never built to
help people like them. 91.4% of UK adults get no financial advice at all.1
Finch exists to change that.
What makes Finch different
On your side, completely impartially.
Finch earns from your subscription, not from selling products. The right answer for you might be “clear the credit card first” or “do nothing yet” — and Finch can say so, honestly.
Help without the judgement.
Someone to think decisions through with, who never makes you feel stupid for asking. Finch helps you plan for and reach towards your goals, no matter what they are or where you’re starting from.
How it works, in four steps
Most money apps start with a financial product and work backwards. Finch works the other way around.
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Talk to Finch
Have a real spoken conversation about your life and what you want your money to do for you.
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Answer the essentials
A short set of structured questions covering the facts a good planner would need. It takes about two minutes.
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Get your plan
Sign up and Finch builds your plan, then talks you through it — your priorities, in the right order, each one explained.
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Keep it going
A check-in each week keeps the plan current as life changes — and keeps you making progress.
Just talk
Planning with Finch is a real conversation, not a form or a calculator. Say what’s on your mind — the flat you’re saving for, the pension you’ve been avoiding, the question that’s been keeping you up at night — and Finch talks it through with you. Patient, plain English, as many questions as you need, whenever you need it.
Under the hood: carefully-designed AI, built for one job.
- Should I clear my credit card or save?
- Can I afford the flat I want?
- What should I do with my old pensions?
- How much should I keep as a buffer?
- Is overpaying my mortgage worth it?
- I want to feel on top of my money
Your money stays yours
Finch is built so you’re always in control.
- Finch can’t touch your accounts or move your money.
- Nothing happens without your say-so — Finch suggests, you decide.
- Finch explains its reasoning, always.
- Your financial data is stored securely in the UK, and never sold or exploited. We’re proud of our privacy policy.
Fair questions
Will Finch give me real financial advice?
Finch gives you serious, impartial financial planning and guidance — what your priorities should be, in what order, and why. It doesn’t give regulated financial advice today, which means it can’t make specific, personalised product recommendations.
Regulated advice is on our roadmap, so we hope to be able to help you with even more in the future, but in the meantime there’s plenty we can do to help you meet your goals.
Is Finch regulated?
Not yet. Finch is planning and guidance, designed and built with the FCA’s expectations in mind, with regulation on our roadmap.
Is £15 a month worth it?
Traditional financial planning costs £1,000s a year, which is exactly why most people will never get it. £15 a month is the price of having a plan, a clear head, and someone to think decisions through with. One avoided bad decision tends to pay for Finch for years.
Is this just ChatGPT with a coat of paint?
No — general chatbots can help you ask better questions about your money; Finch helps you act on the answers. Finch builds and keeps a living plan around your goals, remembers your situation, checks in weekly, and does exactly one job. A chat window forgets you; a planner doesn’t.
From our founder
A note from our founder
I spent more than a decade inside the UK’s financial planning firms, watching great planning change the lives of the people who could afford it.
Finch exists because the people who most need a plan are exactly the ones the industry can’t serve.
That never sat right with me — so we’re fixing it.
Tim Thompson-Rye, founder · LinkedIn
Get early access
We’re opening access in waves so we can look after every new client properly. Join the list and we’ll email you when it’s your turn.