doughsense

Coming soon

Coming soon

Every pound, from payday to pension.

See what is left to spend before payday, and how far your money goes in the years ahead. Built for UK personal finances.

A notepad on the kitchen table. Its heading, Budget, is crossed out, and Plan is written beside it.
  • Council tax, done
  • Nursery fees, done
  • Over on groceries?
  • Overpay the mortgage?
A notepad on the kitchen table. Its heading, Budget, is crossed out, and Plan is written beside it.
  • Bills before payday?
  • Energy bill, done
  • Tax return, done
  • Part time from spring?
  • When could I stop work?
A notepad on the kitchen table. Its heading, Budget, is crossed out, and Plan is written beside it.
  • TV licence, done
  • Boiler service, done
  • Rome in Sept?
  • How long would our savings last?
A notepad on the kitchen table. Its heading, Budget, is crossed out, and Plan is written beside it.
  • Left till payday?
  • Rent, done
  • Phone bill, done
  • Card clear by March?
  • More into my pension?

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 Left to spend The years ahead Projection
What you own, what you owe, what comes in and what goes out count towards your plan. It shows two things: what is left to spend this month, and the projection for the years ahead.

This month

Where does the month go?

  • What is left to spend?
  • What goes out before payday?
  • Which categories have gone over?

Left to spend to your next payday, 28 October

£3,728

Groceries £203 left · £58 of £262
Transport £103 left · £58 of £161
Dining Out £91 over · £131 of £40
The sample household's October, from Budget. Three of its twelve categories.

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.

Doughsense Home on a phone. Left to spend £3,728, to payday on 28 October, leads. Under it, net worth £82,011 sits beside Financially independent 2051, at 56: 81% of simulations last past 95. Doughsense Home on a phone. Left to spend £3,728, to payday on 28 October, leads. Under it, net worth £82,011 sits beside Financially independent 2051, at 56: 81% of simulations last past 95.

This month

Left to spend, 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.
The sample household: a salary, a mortgage, a workplace pension and an ISA, retiring at 67. A projection built on your assumptions, not a prediction.

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.

Based on historic market data and the growth and inflation you set. One simulation in ten falls beyond each end. The years mark financial independence. How projections work

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.

    81% of simulations: the money lasts past 95

  • Spend £32k

    Spend £32k a year once retired.

    87% of simulations: the money lasts past 95

  • Retire at 60

    Stop work at 60. Nothing else changes.

    56% 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.
  • Monzo
  • Barclays
  • NatWest
  • Lloyds
  • Starling
  • and other UK banks
The bank picker, enlarged.

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 to spend 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

Coming soon.

Registration opens at launch.

Questions? Get in touch