Safety net & pension
Set an emergency fund target and see how many months of essentials you'd survive. The pension page projects your pot to retirement.
How to use UGMA
UGMA takes about fifteen minutes to set up, and five minutes a month to keep honest. Work through these six steps in order and everything else in the app will make sense.
1. Set your starting point
Open Settings and choose your currency, country and the month you want to start tracking from. UGMA begins your balance chain from that month, so everything after it lines up with real life.
2. Add your income
On the Income page, add every payment that lands in your account — salary, benefits, side work, partner income. Mark anything that only happens some months so the forecast doesn't over-promise.
3. List your outgoings
On Outgoings, add each bill or spending line under a category. Fixed bills keep the amount you set. Variable ones (food, fuel, fun) are predicted from your recent months once you've logged a little spend.
4. Log what you actually spent
Each month, update the actual figure next to each line on This month. The month-end funds remaining and your risk score reshape immediately — no spreadsheets, no re-planning.
5. Plan debts and big one-offs
Credit cards shows a snowball payoff order and a debt-free date. Any large future payment gets a suggested monthly amount to put aside under the Balloon payment plan category.
6. Look ahead
Monthly overview and Year view show the shape of your year. The 5-year forecast applies your own inflation and pay-rise assumptions, and What if? lets you test a move, a new car or a career break before committing.
Once you're set up
Family & childcare
Pick your country and region to see typical school breaks, what holiday childcare will likely cost and which government schemes you may be entitled to. Entries updated in the last 90 days are flagged.
What if? scenarios
Build a scenario, include or exclude it, and every forecast updates around it. Nothing is committed until you say so.
Still stuck? The FAQ answers the questions people ask most in their first week.
Read the FAQ