Test any financial decision before you commit. Create plans for different scenarios and see month-by-month how changes to your income, expenses, or savings play out over your lifetime.
14-day free trial. No credit card required.
Across your portfolio and budget, twelve health metrics show exactly where you stand and where the gaps are.
Every metric comes with benchmarks, health indicators, and plain-English explanations. You'll know whether your savings rate is strong, your debt ratios are safe, and where to focus next.
Every metric is grounded in established financial principles. Most benchmarks work out of the box, but where your situation calls for it, you can adjust thresholds to match your own targets.
Strong savings pattern—on track for financial goals
The Timeline engine projects when you'll reach each goal. Then stress-test it: a Monte Carlo simulation runs 250 trials drawn from 97 years of real market data, showing confidence scores, achievement ranges, and which goals need attention.
| Goals | ||||||
|---|---|---|---|---|---|---|
| Milestone | Achieved | By Projection | Top 25% | Median | Bottom 25% | Bottom 10% |
| 🛡️ 6-Month Emergency Fund | 94% | 91% | 2027 (30) | 2028 (31) | 2029 (32) | 2030 (33) |
| 📉 Consumer Debt Free | 87% | 72% | 2028 (31) | 2029 (32) | 2031 (34) | 2033 (36) |
| 📈 £100k Net Worth | 78% | 58% | 2030 (33) | 2031 (34) | 2034 (37) | 2037 (40) |
| ✨ Financial Independence | 62% | 48% | 2040 (43) | 2043 (46) | 2048 (51) | 2052 (55) |
| Risk Events | ||||||
| Milestone | Avoided | Until Projection | Top 25% | Median | Bottom 25% | Bottom 10% |
| 🚨 Run Out of Money | 0% | 0% | Never | Never | Never | Never |
How it works, what it costs, and how we handle your data
Doughsense is a personal finance planning tool that helps you understand where you stand today and project where you're heading. Add your accounts, income, and expenses, and the Timeline engine maps your financial future. Compound interest, inflation, and growth are all accounted for. It's built for the decisions you're making now, whether that's next month or decades ahead.
Doughsense is a forward-looking planning tool. Rather than categorising past spending, it projects your finances into the future. Set milestones, model different scenarios, and see how today's choices affect your long-term wealth.
You get 12 financial health metrics across your portfolio and budget, a projection engine that runs to life expectancy, and built-in AI to make setup fast. It's financial clarity, built around your decisions.
Start with a 14-day free trial with full access to all features. No credit card required. After your trial, Doughsense is £5/month or £48/year (save £12 annually).
Your data is encrypted in transit and at rest, and is never shared with or sold to third parties. Doughsense is funded by subscriptions, not your data. Learn more about our security practices.
Doughsense currently uses manual entry, made fast with built-in AI. Just describe your accounts, income, and expenses in plain English. You stay in full control of exactly what data is in the system.
Model a career change, see when you'll be debt-free, or find out if early retirement is realistic.
14-day free trial. No credit card required.
