Frequently Asked Questions

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.

You get the control of a spreadsheet with none of the maintenance. Doughsense handles compound interest, inflation, investment growth, and multi-currency conversions automatically. It projects your finances to life expectancy, runs Monte Carlo simulations, and recalculates instantly when you change a variable. No formulas to build, no sheets to debug, and no risk of breaking a calculation by editing the wrong cell.

Start with a 14-day free trial with full access to all features. No credit card required. After your trial, Doughsense is £10/month or £80/year (save £40 annually).

Your trial provides full access to all Doughsense features. After 14 days, you'll need to subscribe to continue using the app. Your data is always preserved, so you can pick up right where you left off when you subscribe.

Basic setup takes about 5 minutes (main accounts and income). A complete setup with all accounts, expenses, and goals takes around 15 minutes. You choose your depth: start simple, add detail over time. Follow our Getting Started guide for a step-by-step walkthrough.

No, the 14-day trial requires no credit card or payment information. Simply create an account with your email or sign in with Google/Apple, and start exploring all features immediately.

Yes, you can stop using Doughsense anytime during your trial with no charges. Your data is saved if you decide to return later and subscribe.

Yes. Doughsense works in any modern mobile browser. Just visit app.doughsense.com on your phone. There's no native app yet, but we're actively working on improving the mobile experience.

Doughsense works best with current data. Most users update balances once a month, and it takes a couple of minutes with Doughsense AI. Your projections and metrics automatically recalculate each time you update.

No. Doughsense does not connect to your bank or use open banking. All data is entered manually, made fast with built-in AI. Just describe your accounts in plain English. This means your bank credentials are never shared with any third party, and you control exactly what data is in the system.

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.

Yes. We only require an email address for account recovery, a payment method for your subscription, and your month and year of birth for financial projections. We never ask for your full name. Display names are optional and can be anything you like. You’re free to use a privacy-focused email or payment method (such as a prepaid or virtual card) if you prefer.

Yes. You can enable 2FA from Settings > General. Doughsense uses time-based one-time passwords (TOTP), so it works with any authenticator app such as Bitwarden, Google Authenticator, Authy, or 1Password. When you enable 2FA, you'll also receive recovery codes for backup access.

You can sign in using one of the recovery codes provided when you enabled 2FA. If you've also lost your recovery codes, contact support@doughsense.com and we'll help you regain access to your account.

Create separate income entries for each client or revenue stream. Use conservative estimates and adjust monthly. Our freelancer guide shows you exactly how.

Set up automatic tax separation using Income Breakdown. Create a “Tax Reserve” account, enter your income as gross (use the gross/net toggle), add Income Tax and National Insurance line items, and target your Tax Reserve account. Only your after-tax amount shows as available in your budget. For a full walkthrough of UK tax bands, see our gross to net pay guide.

Yes. Doughsense ships with built-in UK tax schedules for Income Tax and National Insurance. Accurate marginal rate calculations using official band thresholds. As your income grows through projections, your effective tax rate adjusts automatically when you cross into higher bands. Includes personal allowance taper above £100,000. For non-UK users, flat percentage line items let you approximate any tax system.

Yes. Add income in any currency. Doughsense handles conversion automatically and shows totals in your primary currency.

The Timeline shows your exact runway. Test scenarios like losing your biggest client to see how long you can survive and when you need replacement income.

When two or more incomes share the same tax schedule (for example, UK Income Tax 2025/26), Doughsense aggregates their gross amounts and calculates the total tax liability on the combined figure. This ensures progressive tax bands are applied correctly. You receive only one personal allowance across all your incomes.

The total tax is then split proportionally between the incomes based on their share of the combined gross. If your incomes use different tax schedules or flat percentages, they are calculated independently.

Unlimited. We encourage multiple milestones: emergency fund, property deposit, financial independence targets, and more.

Yes. Create separate plans with different approaches (aggressive saving vs. income increase vs. investment focus) and compare how each one affects your projected milestone dates.

Achieve milestones are goals you're working toward: reaching £100k net worth, hitting financial independence, or saving a property deposit. Avoid milestones are risks you want to prevent: running out of money, breaching a debt limit, or depleting your emergency fund.

Both types support AND/OR conditions, Monte Carlo simulations, and dependencies. Combine milestones with plans to test different paths and compare projected outcomes.