A group of friends mid-conversation at a London pub on a Friday evening — the kind of honest moment Theo is built around

— The boring is sorted. The fun is yours.

Money for the rest of us.

Most of us were never taught how to handle money — just made to feel bad about it. Theo's the opposite: honest, judgment-free UK money guidance on your actual numbers. Free at launch.

First access. Free at launch.

Founder updates · No spam · UK only

UK GDPR compliant·Guidance, not advice·Encrypted in transit·Never sold

The guidance gap, in plain numbers

24m

UK adults have never had any financial guidance. It's not that you're bad with money — nobody ever showed you, and the system quietly profits from keeping it that way. You're not alone — you're the majority. Regulated advice costs hundreds an hour. Banks sell products. ChatGPT doesn't know your tax bands. Theo is the gap nobody else fills.

Source: FCA Financial Lives 2024 · SJP/Opinium 2024.

And the gap is structural. Theo is built to close it.

What Theo actually does

Not a one-off calculator. Theo runs your money continuously.

Reads.

Your whole financial life — accounts, savings, ISAs, pension, mortgage, debts — through regulated Open Banking, or just share what’s relevant in chat.

Connected · 6 accounts

Thinks.

About the decisions you face — ISA allocation, pension consolidation, the £100k cliff — and works the maths a £200/hour adviser would.

ISA allowance left · £13,200

Watches.

Every payslip, threshold and rule change. Nudges you only when there’s an actual reason — never alarmist, never spam.

ISA resets in · 42 days

Where do you fit?

Pick the one that sounds like you.

— For UK earners over £100k

Your effective marginal rate isn’t 40%. It’s 62%.

— For UK earners £50k+

Earning more than ever. Why does it feel like less?

— For people with money sitting around

Your savings are losing value. Quietly. Every month.

— For UK first-time buyers

Buy when you’re ready. Not when they want you to.

Step 01 — Connect

Link your accounts.
Theo does the rest.

Read-only, bank-grade Open Banking. Theo sees the whole board and moves nothing.

Open Banking

Choose your bank

Step 02 — Your numbers

First — set it to your life.

Annual salary£62,000

Saved so far£18,000

Take-home / month£3,876

Drag — everything ahead updates live.

Step 03 — Reads

Everything you have, in one view.

Monzo

Current account

£2,840

Marcus

Savings

£18,000

Vanguard

Stocks & shares ISA

£6,400

Nest

Pension

£21,300

Amex

Credit card

−£1,150

Net position£47,390

5 accounts linked, read-only. Theo never moves a penny.

Step 04 — Theo's read

Here's what stands out.

Effective tax + NI

25%

Lower than most people guess — a good base to build on.

ISA allowance unused

£20,000

Sitting in cash, earning you nothing and taxed.

Subscriptions flagged

£89/mo

Quietly recurring — three you’d half-forgotten.

“You’re not overspending. You’re just under-optimised — and that’s the easy kind to fix.”— Theo's take

Step 05 — One move

Do one thing this month.

The same money, 10 years on

+£114,356

more in your pocket than leaving things exactly as they are today.

Do nothing

£20,280

With Theo

£134,636

This month's one move

Move £420 into your ISA before 6 April.

Do it now→

Talk it through with Theo→

Connect

Numbers

Reads

Thinks

Act

Illustrative figures based on the numbers you set — your situation will differ. Guidance, not regulated advice; capital at risk.

Why I built this

“I was 28 before anyone explained what an ISA was.”

I grew up in Ireland. Nobody taught me about money. 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.

When I started learning, I realised the system isn't broken by accident. Regulated advice costs hundreds per hour with £100k minimums. Banks sell products, not guidance. Every fintech app tracks what you spend and stops there. None of them help you figure out what to do next.

So I built Theo. The mate I wish I'd had at 25.

— Ciaran Hughes, Founder

Questions you're probably thinking.

: Theo provides guidance and education — not regulated financial advice. Guidance helps you understand your options so you can make an informed decision. Advice is a personal recommendation to buy a specific product. We do the first, never the second. For decisions that legally require regulated advice — like transferring a defined benefit pension — you'll need an FCA-authorised adviser, and Theo will tell you when that applies.
: Right now, completely. No card, no trial, no 'upgrade to unlock' gates. As Theo grows there'll be a premium tier — but the core guidance will always be accessible.
: Your conversations are private. Theo uses what you share to give better guidance — that's it. Your data is encrypted, never sold, and never used to market products to you. Delete everything any time.
: Yes. Theo doesn't judge your starting point. Whether you've got £30k saved or £30k of debt, the conversation starts the same: where are you now, and what's the clearest next step?
: Theo is transparent about its limits. It'll tell you when it's not sure, and always encourage you to verify important decisions with a professional. Theo is a starting point, not a replacement for regulated advice on complex matters.

— A closing argument.

You're early. That's worth something.

Join the waitlist. We email the second the doors open. No card. No spam.

Summer 2026 · Free · No card · Made in London