Making Sense of Money

The personal allowance and the £50,270 higher-rate threshold are frozen until 5 April 2031, three years longer than many financial plans assume. What that does to a thirty year projection, what three more years of fiscal drag costs, and what Moola deliberately does not model.

"Just buy a house." "Save harder." "We had it worse." Three pieces of boomer money advice, checked against ONS and Bank of England data. All three fail.

Moola now reads your filed returns, UK, German, wherever you pay, and shows what you owe and what each loss can offset. Plus the one number we left out.

Progress checks your plan against what actually happened — two minutes a month, three ways to fill it in, and a chart that shows which numbers you confirmed.

What actually changes when you leave the UK — ISA subscriptions, five tax years of pension relief, the Statutory Residence Test — and the one calculation that is genuinely hard without a tool.

Moneyhub's consumer app closed on 31 July 2026. What you lose, what to look for in a replacement, and an honest comparison of the UK apps that can take its place.

Three dates between now and next April need a decision from you — and the Budget on 28 October isn't one of them. What to do this month, what to do before 5 April 2027, and what to ignore.

Moola now speaks English, Spanish, Brazilian Portuguese and French — and counts in more than thirty currencies. Here's how to turn both on, and exactly what happens to your numbers when you do.

The Lifetime ISA is being replaced by a new First Time Buyer ISA. What the LISA does today, what the replacement would change, what is still undecided until the Budget — and what it means whether you already hold one, want to open one, or have been using it for retirement.

Some of the clearest ideas in economics aren't in textbooks — they're hanging on my walls. Here's what my collection taught me about value, choice, and what things are really worth.

We're running a free prize draw for Moola users. Share your feedback and you could win two private box tickets to the Last Night of the Proms at the Royal Albert Hall. UK 18+. Closes 31 August 2026.

Meet Moola's Account Optimizer: review your savings, investments and pensions in under a minute and spot exactly where your money could work harder.

Open Banking is live inside Moola. Here's what it actually does, how secure it is, and why it makes your whole plan more accurate — not just tidier.

Mind the gap. Doors closing. And, as of Monday, please mind the Moola on the platform. If your commute runs through Bank/Monument, Liverpool Street, Canary Wharf or London Bridge, you'll spot a familiar face — because we're going underground, quite literally. It's our biggest brand moment so far — a bit of a leap from the daily grind to the daily commute — and we didn't decide on a whim. So here's why we did it, and (more importantly) what's in it for you. Why go underground?

On Saturday, we welcomed fifteen people into my living room in London for the first Moola Brunch. Every spot on the sofa was filled, there was a waiting list, and for four hours we shared brunch, talked about money, explored investing, and discussed the financial decisions that shape our lives. Although Moola is now an AI-powered financial planning platform, the afternoon was, in many ways, a return to where the company began. Long before there was a company, a product, or ev

For decades, personal finance has largely been organised around fragments. One app helps you budget, another helps you invest, your pension sits somewhere else entirely, and your mortgage, savings, insurance, and debt obligations are often managed through separate providers with little connection between them. If you are fortunate enough to work with a financial adviser, that advice may focus on a specific product or investment strategy rather than the entirety of your financ

Moola is now on WhatsApp. No new app, no password, no dashboard — just open WhatsApp and ask your money questions. Whether you're at a car dealership, at dinner, or lying awake doing the maths, Moola answers using your actual financial picture. Fast, personal, and genuinely useful.

Most people understand that investing matters — yet millions still postpone getting started. The barrier is rarely knowledge. It's the emotional weight of financial decision-making: fear of choosing wrong, loss aversion, and the tendency to wait for certainty that never comes. Meanwhile, compounding quietly disappears. The biggest investing mistake isn't picking the wrong fund. More often, it's never starting at all.

What are you trading your life for? At its core, Your Money or Your Life reframes money not as status or consumption, but as 'life energy' — the finite hours, attention, health, and emotional capacity we exchange for income. Once you begin viewing spending through this lens, financial decisions stop being abstract transactions and become personal trade-offs about how you want to live. Wealth is not about owning more, but about needing less and aligning your spending with what

Moola launches multi-currency support and macroeconomic indicators.