Nova Money

Doughsense and Nova Money share a forward-looking pitch: see where your money is going, not just where it has been. That framing is where the similarity ends. Nova Money forecasts your current-account cashflow over the coming weeks or months; Doughsense projects your entire financial life over decades.

Nova sells its forecast by duration: the further ahead you want to see, the higher the tier. Doughsense projects to life expectancy on every plan and adds investment growth, pensions, tax wrappers, and Monte Carlo stress-testing that a cashflow forecaster does not attempt.

At a Glance

Which Is Right for You?

Choose Nova Money if the question you need answered is short-term: will my current account hold up over the next few weeks or months, and when should I ease off spending? Nova's cashflow forecast is focused on exactly that near-term horizon, and its free tier gives you a one-week view to start.

Choose Doughsense if you want to see past next month. Doughsense projects your whole financial position, including investments, pensions, ISAs, and liabilities, over decades rather than weeks. Set milestones for goals like paying off your mortgage or reaching financial independence, and see a projected date for each. Monte Carlo simulations then test each milestone against 97 years of real market returns, showing in what percentage of scenarios you hit your target on schedule, and whether you get there eventually even in tougher markets. Nova cannot model any of this, because it forecasts a bank balance rather than a portfolio.

12 financial health metrics -- covering savings rate, FI progress, cash runway, debt ratios, and more -- explain your position in plain English, and AI-assisted onboarding builds your plan in minutes. Doughsense is free forever with manual data, and its Live tier costs well under half the price of Nova's unlimited-forecast tier while doing far more. If you want deeper cashflow detail with bank feeds, see our PocketSmith comparison.

See It in Action

Doughsense timeline showing net worth projected over decades

Pricing

Nova Money offers a free one-week forecast, a one-month forecast tier at £9.99 per month, and an unlimited-forecast tier at £19.99 per month (check their site for current rates). Doughsense is free forever with manual data, and its Live tier adds UK bank feeds and a self-maintaining plan for £10 per month or £80 per year. At the top tier, Doughsense costs well under half what Nova charges for an unlimited horizon, and it projects your full financial life rather than your current-account cashflow.

Frequently Asked Questions

Is Nova Money or Doughsense better for long-term planning?

Doughsense is built for long-term planning. Nova Money forecasts your current-account cashflow, and the horizon you can see is gated by your plan, from one week on the free tier up to unlimited on its top tier. Doughsense projects your entire financial position to life expectancy, including investment growth, pensions, and tax wrappers, with Monte Carlo stress-testing. If your question is "when will I run low this month?", Nova answers it; if it is "am I on track for retirement?", Doughsense is built for that.

Does Nova Money model investments and pensions?

Nova Money focuses on current-account cashflow forecasting and does not model investment growth, tax wrappers, or pensions. Doughsense projects investments, pensions, ISAs, and liabilities together over decades, which is what you need to answer questions about retirement, financial independence, or long-term net worth.

Is Doughsense more expensive than Nova Money?

Doughsense is free forever with manual data. Its Live tier is £10 per month or £80 per year, which is well under half the price of Nova Money's unlimited-forecast tier at £19.99 per month, and it does considerably more: lifetime projection, investments, pensions, tax wrappers, and Monte Carlo, rather than current-account cashflow alone.

Can I try Doughsense before committing?

Yes. Doughsense is free forever with manual data, so you can build a full plan without paying. When you want bank feeds and a self-maintaining plan, a 14-day Live trial starts when you connect your bank, with no card required to begin.