Coming soon
See what’s left.
How much is left this month, and what it means for the years ahead.
How it works
Your budget and your projection come from the same plan.
- What you own
- What you owe
- What comes in
- What goes out
Your plan
This month
Where does the month go?
- What is left before payday?
- What goes out before payday?
- Which categories have gone over?
Left to your next payday, 27 November
£3,620
The years ahead
When could you stop work?
The same accounts and bills, carried forward month by month, show you this month and how your decisions could affect your future.
This month
Left, to your next payday.
The years ahead
When you reach financial independence, and how often the money lasts.
- Income Tax
- And National Insurance, band by band.
- ISAs
- Lifetime ISAs too, within their allowances.
- Pensions
- Relief at your marginal rate on what you pay in.
- State Pension
- An income, from the age yours starts.
Doughsense runs your plan 1,000 times.
Each run is a simulation based on historic market data. Best case and worst case show where your plan lands when markets do well, and when they do badly.
These years come from simulations. They are not promises.
Plans
Try the change before you make it.
Start a new plan, change one thing, and compare. Your real plan stays as it is.
-
Base plan Your plan
Retire at 67, as the plan stands.
89% of simulations: the money lasts past 95
-
Spend £32k
Spend £32k a year once retired.
93% of simulations: the money lasts past 95
-
Retire at 60
Stop work at 60. Nothing else changes.
69% of simulations: the money lasts past 95
We do the sums. You decide.
The sample household's plans, each through the same 1,000 simulations. The app shows one plan at a time. A projection built on your assumptions, not a prediction.
Bank feeds
Connect your bank and import your transactions.
With Plus, connect a UK bank through open banking. Transactions land in your budget, matched against it, and repeat payments are spotted for you.
- Read-only. Doughsense reads your balances and transactions. It cannot move money.
- A 14-day Plus trial starts with your first bank connection. No card needed on the web.
- M Monzo
- B Barclays
- N NatWest
- L Lloyds
- S Starling
- and other UK banks
For builders
Build on your own bank data.
Plus gives you your own data through an API and an MCP server, for your code and for the AI assistant you already use.
The API
Read your transactions with a key you make in Settings.
The MCP server
Your accounts, budget and plans, for your own assistant to read, change and simulate.
npx add-mcp https://mcp.doughsense.com/mcp
Who we are and what this is.
On the FCA register
For bank feeds, Doughsense Ltd (FRN 1054183) is registered with the Financial Conduct Authority as an agent of Finexer Ltd, an Authorised Payment Institution.
A projection, not a prediction
Doughsense gives no financial advice. Read the method and its assumptions in How projections work
A small UK team
We are self-funded, and subscriptions are our only income.
Free to plan. Plus to automate.
Plan with your own figures at no cost. With Plus, your bank data updates automatically.
Free
£0
Your plan, from your own figures.
- Accounts, pensions, property and debts
- Plans, projections and 1,000 simulations
- Budget, left before payday and milestones
- Web. iPhone and Android to follow.
Coming soon
Plus
£80a year
or £10 a month. Annual saves £40.
Your first bank connection starts a 14-day Plus trial.
- All of Free
- Bank feeds from UK banks, through open banking
- Reconciliation and recurring detection
- API keys and the MCP server
Coming soon
We make money one way: Plus. It pays for the bank feeds, and for the free planning beside them.
Compare Free and Plus