Your money's doing nothing.
Let's get it working.
Personal financial guidance, built around your life. For the 24 million UK adults the system has overlooked.
Join the waitlist · Free · Launching Summer 2026
Sound familiar?
Personal finance is personal. No two people have the same situation — but almost everyone feels stuck.
Every option is either too expensive or too generic.
24 million UK adults have never had any financial guidance. You're not alone — you're the majority.
Financial Advisers
Regulated advice is valuable — but minimum asset thresholds and ongoing fees put it out of reach for most people in their 20s and 30s.
Banks
Great for accounts and transactions. Not set up to give personalised guidance.
Fintech Apps
Track spending but never answer: 'What should I do next?'
Finfluencers
Helpful for awareness, but generic by nature. Can't know your situation.
ChatGPT
US-heavy data. Hallucinates tax thresholds. Forgets everything between chats.
10 tabs open, 10 different answers. None of them know your situation.
Financial advisers
Regulated advice is valuable — but £100k+ asset minimums and ongoing fees put it out of reach for most people in their 20s and 30s.
Apps & banks
Great at tracking what you spend. None of them answer the actual question — "what should I do next?"
AI tools & search
Generic answers without UK context. ChatGPT hallucinates tax thresholds. Google gives 10 tabs of conflicting advice. None of them know your situation.
Three steps. No questionnaire.
No questionnaires. No generic tips. Real guidance from your actual financial picture.
Ask Theo anything
No signup, no bank login. Just tell Theo what’s on your mind — “I’ve got £15k in my current account and no idea what to do with it.” Theo starts helping straight away.
You don’t need to connect your bank to use Theo.
Connect your bank when you’re ready
Link your accounts and Theo sees exactly what’s coming in, going out, and sitting idle. Real numbers, not assumptions from a questionnaire.
Get a plan with your actual numbers
Theo builds you a plan around your actual numbers — your ISA allowance and how to use it, your pensions and how to bring them together, and the clearest next step toward whatever you’re working toward. Your goals, your pace.
From a question to a plan, in one conversation.
Bank connection security
Connected via TrueLayer — FCA-regulated
Read-only access. Theo can never move your money.
Revoke any time — in one tap from inside the app.
We've written down what we will and won't do with your data, your money, and your trust. Read the Theo Principles →
The difference isn't a few coffees. It's a few years.
Most people have money sitting in a current account earning 0.1%. Move the same amount into a Stocks & Shares ISA and the maths stops being boring. Drag the sliders.
Illustration only. 0.1% reflects a typical current account rate; 2%, 5%, and 8% represent conservative, middle, and optimistic long-term equity projections respectively — actual returns vary and capital is at risk. 5% is used as the middle estimate. Figures assume monthly contributions, compounded monthly, before fees, tax, and inflation. Not financial advice.
People who got unstuck.
“I've had £20k sitting in my current account for two years because I didn't know where to start. Theo laid out the options clearly — I finally felt like I could make a decision.”
Jamie, 31
Software engineer, London
Composite testimonial based on early user feedback. Your experience will differ.
“I had no idea my savings account was earning almost nothing. Theo walked me through what the alternatives actually look like. Wish I'd understood this sooner.”
Priya, 27
Marketing manager, Manchester
Composite testimonial based on early user feedback. Your experience will differ.
“As a freelancer I'd been avoiding the pension question for years. Theo explained the options without the jargon. First time it actually made sense to me.”
Tom, 29
Freelance designer, Bristol
Composite testimonial based on early user feedback. Your experience will differ.
“I was 28 before anyone explained what an ISA was.”
I grew up in Ireland. Nobody taught me about money. I moved to London, earned a decent salary, and still had no idea what to do with it. My savings sat in a current account earning nothing while everyone around me seemed to just know what to do with theirs.
When I finally started learning, I realised the system isn't broken by accident. Financial advice costs hundreds per hour. Banks sell products, not guidance. Every app just tracks what you already spend — none of them help you figure out what to actually do next.
So I built Theo. The mate I wish I'd had at 25.
Ciaran Hughes — Founder
Questions you're probably thinking.
Questions you're probably thinking.
Your turn.
Join the waitlist. Be the first to know when Theo opens the doors.
“I built Theo because nobody explained any of this to me until I was 28. The mate I wish I'd had at 25.”
— Ciaran Hughes, Founder
No spam. Just a nudge when it matters.