Your monthly payment becomes the same amount every Monday.
Bills covered before you can spend
Bill money is set aside on payday and comes back the day before each one.
Savings first, without deciding
Whatever's left at the end of the month is already saved. Guaranteed.
Free to join · First month free · Cancel anytime
Step 1 of 2
What's your name?
We'll set your week up around you.
Step 1 of 2
Connect your bank
The account your Universal Credit lands in. One tap — you approve in your own banking app.
🔒
Powered by Moneyhub (FCA-regulated). We never see your login. We can see your account and move money only between your own accounts — never to us.
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Lloyds
Approved in your banking app
○
Reading your account
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Finding your Universal Credit
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Finding your bills
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Working out your week
Step 2 of 2
Here's your week
Worked out from your real bank data — nothing to fill in.
£65.00
every Monday, all month · never goes down
Universal Credit · lands Wed 3 Sep£414.02
Bills we found (5) · set aside− £143.00
Fixed slice · 0%− £0.00
Your 4 Mondays£260.00
🪙
Save what you don't use OnSpare change · bill money that wasn't needed · what's left before payday · the few pounds off the even split. Nothing from the money you live on. About £22 a month.
📈
Every rise savedWhen UC goes up in April, or a deduction ends, your Mondays stay the same and the rise is saved. Half the April rise, all of anything else.
A year from now: about £300 in your pot. Change any of it any time. Skips if you're short.
One glance approves all of this
Your bank will ask you once
Three permissions, all between your own accounts. We never hold your money.
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See your accountRead-only, via Moneyhub. We can see, never touch.
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Move money on paydayBills and anything unused go to your own saver the moment UC lands. This week's £65 stays.
↩️
Bring it back on time£65 every Monday. Each bill's money the day before it's due. Never late, never short.
No monthly bill
10p for every £1 we save you, taken from spare change — never more than £3.99, nothing in a month we save you under £10. If we ever miss a Monday, that month is free. Your Mondays and bill money are never touched.
First month free · same amount every Monday · bills always covered · cancel anytime
✓
You're in, Harvey
Your UC lands Wed 3 Sep. From then, £65 arrives every Monday. Bills are covered. Anything left is saved.
Your agreement is saved in-app and emailed to you.
mymonies
✏️
These are demo numbers
Tap to put in your own UC, rent and bills. Your real Monday plan in a minute.
Answers come from your own transactions and the UC rules. Not financial advice. Every answer is kept on your receipt so you or your support worker can check it.
What this needs: your bank connected read-only through an FCA-regulated open banking provider. You re-confirm every 90 days and can switch it off in one tap. Nothing here can move money.
Set aside for bills this month
£143.00
5 bills found from your bank feed. Each one's money comes back the day before it's due. Nothing you have to do.
!
2 bills fall before your UC lands
We'll ask EE and OVO to move to the 5th. Requests are written — tap to send both.
Send ›
September
Wed 3 · payday
£143 set aside · £65 stayed
UC landed 08:47. Moved 08:49.
Mon 8
EE £12 · paid ✓
£12 came back Sun 7
Sun 14
Broadband £20 · comes back Sat 13
Social tariff · Community Fibre
Mon 15
OVO Energy £58 · comes back Sun 14
Variable · we set aside the upper estimate
Thu 18
Council tax £31 · comes back Wed 17
After Council Tax Reduction
Mon 22
Yorkshire Water £22 · comes back Sun 21
WaterSure tariff — applied Aug, live
Bills guarantee
Any bill on this list is covered, as long as the money existed on payday. If one ever bounces because we moved money late, that month is free and we cover the charge.
Bills detected by Moneyhub from your direct debits and standing orders. Add or remove any of them.
Saved for good · your own bank
£23.40
None of it from the money you live on. Nothing moves without your tap.
Bill money not needed, what's left before payday, spare change
£23.40
✓
Every rise
When UC goes up or a deduction ends, your Mondays stay the same and the rise is saved
From Apr
＋
More ways, no willpower
Payday pause, week-five sweep, food-club capture and 9 others. Turn on what suits you.
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Free money on top
🎁
Help to Save · from the government
£20 → £30
You qualify. For every £1 you save, the government adds 50p. Up to £1,200 free over four years. Yours to take out any time.
We do the set-up. One 10-minute call, then it's automatic.
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Pension pot · +25%
UC never counts it
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First home · +25%
Lifetime ISA, under 40
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Childcare · +20%
If you pay childcare
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Where it's kept
🛟
Buffer · a week ahead
Fills first. You're 4 days ahead.
£23.40
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Locked jars
Christmas, uniform, a deposit. Add one.
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🎟️
Premium Bonds
Instead of the lottery. You keep the stake.
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Saving guarantee
We only save what your month didn't use, and every rise. Your Mondays never go down. Savings stay under £6,000 so your claim is never affected. Nothing moves without your tap.
Also in your own bank right now: £195 for your next 3 Mondays and £137.50 waiting for bills.
50% on your savings
Help to Save · from the government
£20 → £30
Every £1 you put in, they add 50p. Up to £50 a month. Yours to take out any time. Nothing else pays this.
Your sweep · 5% each payday£20.70
Bonus on it, every 6 months+ £62.10
After 1 year£372.60
We set it up for you
The account is opened with HMRC. We ring you at a time you pick, with HMRC on the line — you just say your name and NI number. About 10 minutes. Then your savings go there automatically.
When should we call?
You qualify because your bank feed shows Universal Credit and wages last month. If that changes, we'll tell you before the call.
Booked
📞
We'll call you Tue 10:30
From 0161 · about 10 minutes. Have these ready — we'll show them on screen when we ring:
NameSam Example
NI numberfrom your ID
Date of birthfrom your ID
HMRC will ask"Do you get UC?" — Yes
After the call
HMRC sends your account details. Take a photo of them in the app and your sweep switches over. That's it.
Your account details
📷
Photograph your HMRC letter or screen
We read the sort code and account number. Nothing to type.
AccountHelp to Save · NS&I
Sort code60-70-80
Account number•••• 4471
Name matches your bank✓
From your next payday
£20.70 goes here instead of your bank's saver. Same glance you already gave — one more Face ID to point it at the new account. Capped at £50 a month; anything above that stays in your saver.
August receipt
Put back in your pocket · counted from your bank feed
2 payments that would have bouncedEE 9 Aug · OVO 15 Aug · money moved back in time£24.00
Advance repayment cutLetter sent 4 Aug · UC up from September£18.00 /mo
Water tariff — WaterSureApplied 6 Aug · live from 22 Aug£11.50 /mo
Back in your pocket£53.50
Saved for you
Bill money not needed · Monday shave · leftover£18.10
Spare change after the fee£9.21
Saved · none of it from the money you live on£27.31
Your £414 did the work of
£471+14%
Ran the app
10p per £1 saved · from spare change£0 in any month we put back under £10£2.73
Nothing on this screen is an estimate. Pending applications show as a dash until money lands.
Put back in your pocket · this year
£312.50
Every time someone takes too much, we write the letter. You tap send. We track whether it worked.
Ready to send
!
EE · £3.50/month rise
Mid-contract price rise. You can leave penalty-free within 30 days — or switch to their £12 social tariff. Message written.
Send ›
!
Deduction still £31/month
Your advance repayment can drop further on hardship grounds. Journal message written.
Open ›
Done
✓
WaterSure tariff
Applied 6 Aug · live · £138/yr
£11.50/mo
✓
Advance repayment reduced
Letter 4 Aug · DWP agreed · from Sep
£18/mo
✓
Broadband social tariff
Switched July · Community Fibre £20
£15/mo
Checking monthly
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Benefits check · Inbest
Re-run on your live bank data every month. 1 thing to review: Warm Home Discount £150.
Review ›
Money from benefits and tariffs is always 100% yours. Estimates only; final decisions are the provider's.
🏷️
Deals near you tonight
Yellow stickers from 7pm at Tesco Express · Greggs bag £2.59 · food club Thursday
See ›
Paying extra for being skint · found
£23/month
Things that cost you more than they should. Each one has the fix written. Tap to send.
Ready to fix
🥕
Food club 0.8 miles away
£7.50 a week for about £35 of shopping. You spend £41 a week on food. We'll join you and set the £7.50 aside.
~£100/mo
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Prescriptions
Two a month at £9.90. On your income they should be free — HC2 form is filled in.
£20/mo
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Phone £28 → £10
You're on a standard SIM. A social tariff SIM on the same network is £10. Switch request written.
£18/mo
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Travel
£34 a month on buses and trains. The Jobcentre travel card halves rail; the bus weekly beats singles.
£8/mo
Done
✓
Direct-debit discount unlocked
Bill jar makes DDs safe, so OVO now bills by DD — £6 a month cheaper.
£6/mo
✓
TV licence
You don't watch live TV. Cancelled, £14.50 a month back.
£14.50/mo
Checked, nothing to do
Council tax bandLandlord pays ✓
Water meterIn service charge ✓
Rent-to-own / BNPLNone found ✓
Prepayment meterNot on one ✓
BroadbandBuilding's ✓
Checked from your bank feed every month. Nothing here is a coupon — it's the price you're entitled to.
Universal Credit · next payment
£432.02
Wed 1 Oct · 20 days. Assessment period 28 Aug – 27 Sep. Up £18 — your deduction dropped.
✓
Statement check
We'll work out what your UC should be before the statement lands and flag any difference.
On
✓
Payday clash watch
No wages detected. If work starts, we check the pay date against your assessment period.
Clear
✓
Savings safe · £21 of £6,000
Well under the capital line. We warn you long before saving could affect your claim.
Safe
📈
April rise · saved for you
When UC goes up, your Mondays stay £65 and half the rise goes to your pot. You keep the other half in your week.
Auto
📅
December is a 5-Monday month
UC lands early for Christmas. Your Mondays become £52 each so the long gap is covered.
See ›
Tracked from your bank feed. MyMonies isn't connected to DWP — your journal on GOV.UK is always the official record.
You
👤
Harvey Hotson
Lloyds · connected · reconfirm in 71 days
📅
My week
£62.50 · change savings % or Monday amount
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🧾
Receipts
What we did, in pounds, each month
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📄
Your agreement
Cancel anytime · 14-day cooling-off
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Help
A person, not a bot. Free debt advice links too.
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Tools that work on your numbers
✏️
My numbers · planner
Your UC, rent and bills → your real Monday plan
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🧮
UC statement checker
What your UC should be, deductions cap, taper
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✉️
Letters and messages
DHP, hardship, price rise, journal — filled in, copy and send
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🏛️
Benefits check
Run the free calculators, tick off the ones that need no test
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📍
Near you
Food clubs, warm spaces, advice, credit unions by postcode
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My receipt
What you've actually done in the app, with dates
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Text-message mode
The whole month by text, no app needed
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📎
Handover file
Plan, statement check and letters on one page for a worker or adviser
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🟢
Status and guarantee ledger
What we promised, what happened
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🗓️
First month check-ins
Three quick questions, then we go quiet
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🗳️
Tenant panel · vote
Pick what we build next
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✋
Something's wrong
Tell us. A person answers every one.
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📤
Share my plan
Send a read-only copy to a support worker or family
Requested so Mondays stay level. Tax return reminder if self-employed.
April
UC uprating · half saved
Mondays stay £65. Half the rise goes to your pot.
September
Uniform, school meals, term costs
Uniform jar from June. Free school meals renewed before they lapse.
Children
🍎
School and food
Meals, Healthy Start, holiday clubs, uniform grant
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Childcare
Whichever scheme pays more, worked out for you
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Term-time money calendar
Every school cost, planned weekly
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Kids' pots
Pocket money jars, Child Trust Fund found
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Life changes
🏡
Moving in together?
The maths before you decide
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👶
New baby
Every claim in order, with dates
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🎂
Birthdays that change money
16, 18, 20, 25, 66, 75 checked the week before
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Worst days
Pick what's happened. We show the steps, who to call, and write anything that needs writing. Rent and bills stay protected throughout.
⛔
UC stopped or sanctioned
The message, the hardship claim, the challenge, in order
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Bailiff at the door
Your rights, who to call, what not to sign
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💳
Card declined at the till
What's safe to spend, right now
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🔥
Boiler broken
Landlord duty, report drafted, temporary heat help
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📱
Phone lost or stolen
Freeze, restore, replace
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🏥
Going into hospital
What pauses, what continues, what to tell UC
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Fire, flood, burglary
Emergency help and replacements
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Off sick
What happens to your money, shown before it does
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Protection and control
Scam watch
Unusual payments and fake DWP messages flagged before money leaves
Fraud lock
New direct debits need your approval in-app
Trusted person
Let a support worker or family member see your plan. View only. Off in one tap.
Spending limits
Set a cap on a category. 24-hr wait to raise it.
Your data
👁️
Show me everything
Every piece of data we hold, on one screen
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🔗
Bank connection
Read-only. Disconnect in one tap.
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🕵️
Is this a scam?
Paste a message or number, get a verdict
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📜
Your letters
Every letter we wrote for you, kept as proof
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🗑️
Delete everything
One button. Gone within 30 days.
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We never hold your money, never see your login, never sell data, never lend. Not connected to DWP: your GOV.UK journal is the official record.
Supported living
Your money · your week
£65 every Monday
Rent and most bills come through Housing Benefit and your service charge. This is your personal money, kept safe and steady.
Support worker can see my plan
View only. They never handle your cash or card. Off in one tap.
Easy-read mode
Pictures and one line of text
Daily amount instead of weekly
£9.30 a day rather than £65 on Monday
Money back for you
♿
PIP and LCWRA
The most missed money. Checked and started.
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🏛️
Council tax exemptions
SMI exemption, disabled band reduction
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🧾
What HB pays, what you pay
Your service charge decoded
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💼
Working a few hours
Permitted work rules in your numbers
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Moving on
🔑
Move-on deposit
Built weekly, locked until you need it
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🪜
Independence ladder
One small money step a month
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🏠
What living alone would cost
Modelled before you leave
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Your worker sees the plan only if you say so. Nothing moves without your tap.
My numbers
Put in what lands and what has to go out. We do the maths: your Monday amount, how many Mondays, and anything due before your money arrives. Saved on this phone only.
UC statement checker
Copy the figures off your statement. We apply the real rules and tell you what should be there and what to challenge. Rates are 2025/26; check gov.uk after April.
Letters and messages
Plain English, polite, firm. Edit anything before you send. Sending it is logged on your receipt.
Benefits check
The average missing household is owed
£3,203 a year
Run one free calculator (10 minutes), then tick off the ones below that need no income test at all.
If a line ever says "Missed", the fee for that month is £0 automatically.
First month
Three quick questions in your first month. After that we only speak when there's something to do.
If you don't open the app for two weeks, nothing breaks. Rent still goes first, Mondays still land, the receipt still comes by text.
Tenant panel
Residents vote every month on the next three things we build. Results and what got built are published here.
This month · pick one
Built because you asked
✓
Cash mode
Monday in notes and coins · asked for by 41% · built
✓
Text-message mode
Asked for by 38% · built
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Dropped: spending charts
Nobody used them for a year, so they went
Something's wrong
A person reads every one and replies within one working day. Urgent money problem? Use the Help tab, red button.
Done
Your standing order
Set up once · then every Monday runs itself
£0.00
From your saver to your current account, every Monday, starting —. Free and instant at every UK bank.
Amount£0.00
FromYour saver / savings account
ToYour current account
EveryMonday
First payment—
ReferenceMY MONDAY
How to set it up (2 minutes)
1Open your banking app, pick your saver account
2Payments → Standing order → to your own current account
3Amount £0.00 · Weekly · Monday · reference MY MONDAY
4Confirm. Then tap the button below so we know.
No saver yet? Most banks open one in the app in a minute (Lloyds "Easy Saver", Barclays "Everyday Saver", NatWest "Flexible Saver", Monzo "Pot"). A support worker can do this with you.
Things to do
One tap each. We text you when something is due. If money is tight, say so in Help before you skip.
Coming up
Done
Add MyMonies to your home screen
Tap Share then Add to Home Screen. Opens like an app, works offline for your plan.