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 tool. Theo runs your money continuously.

Reads.

Your full financial life when you’re ready — current accounts, savings, ISAs, LISA, pensions, mortgage, debts. Through regulated UK Open Banking when integration ships, or share what’s relevant in chat for now. The whole picture, not a slice.

Thinks.

About every money decision you face. ISA allocation. Pension consolidation. Mortgage vs invest. Tax-year-end top-ups. The £100k cliff today, the spring bonus next quarter, the old workplace pensions you’ve forgotten about — what to do, on your numbers, in plain English.

Watches.

Every payslip, bonus, threshold, life event, regulatory change. Nudges you only when there’s an actual reason. The optimisation a £200/hour adviser would do — running quietly in the background, no dashboards to log into.

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.

See Theo in action

From a question to a plan, in one conversation.

01 — CHAT

Just ask Theo

No questionnaire. Tell Theo what's on your mind in your own words. Theo asks what it needs to actually help — then turns the conversation into a plan.

theo

Online

Hey — I'm Theo. I help people figure out what to do with their money. What's going on?

I've got like £15k just sitting in my current account doing nothing. I know I should be doing something with it but honestly no idea where to start.

First thing — £15k saved at your age? You're doing better than you think. Quick one: at £38k you're a basic-rate taxpayer, so the tax wrappers you're not using are probably doing less than they could be. Have you got 3-6 months of expenses set aside somewhere easy to grab?

Yeah, I've got that covered.

Sam connected their bank account

Done. £15,240 across your accounts, spending about £2,180/month — rent's the big one at £825, then groceries and eating out, plus £94/month on subscriptions. About £330 spare each month. That's workable. Real question — what are you actually trying to do with your money? Any goals you've been thinking about?

Buy a place at some point. And honestly I'd love to actually book a proper holiday this year instead of always saying I will and never doing it.

Real goals I can work with. Want me to build it into a plan? →

02 — DASHBOARD

Your money, structured

Theo turns the conversation into a personalised picture of where you are and what to do next. Built from one chat, not a 30-question form.

Building your picture

EmploymentEmployed · £38,000

Student loanPlan 2 · −£65/mo

PensionScottish Widows · 5% · £158/mo

The more I know, the better I can help…

Sam's net worth

£15,240

+£7,040 over 12 months

Student loan (Plan 2): −£65/moPension contrib: £158/mo

Monthly spending

Rent£825

Groceries£285

Eating out£145

Subscriptions£94

Other£831

Small wins add up — even £20/week spare hits £1,040/year in your ISA.

Tax-free allowances Sam could use

Stocks & Shares ISAOptions Sam was looking at

£5,000 / £20,000£15k remaining

Lifetime ISA+25% govt bonus

£4,000 / £4,000+£1,000 govt bonus

Options worth looking at

A Lifetime ISA (18–39 only)

The government tops up 25% on contributions up to £4k/year. Common choice for first-home deposits.

A Stocks & Shares ISA — up to £20k/year tax-free

Tax-free growth on up to £20k a year. Options range from self-select to managed.

Check your pension match

You might be leaving free employer money on the table.

📊

Heads up: May spending tends to spike

Your eating out jumped 23% last May — Theo will nudge you if it creeps again.

Sam is fictional. Yours will look different and be specific to you.

03 — DISCOVER

Or browse by where you are

Every life moment has a money question. Pick yours — Theo's ready with the right one. Or browse by topic if you'd rather read first.

Does any of this sound like you?

Tap any that sounds like you. We'll take it from there — just like any chat.

Guidance, not regulated advice. Figures reflect typical UK conditions and can change.

NOT SURE WHERE TO START?Try “I've got cash sitting in my current account” — covers the basics most people miss.

Just had a change

Money shifts when life shifts

💸

I've just got a pay rise

Before it quietly disappears into lifestyle, let’s figure out where it should actually go.

Chat with Theo →

🏡

I've moved in with my partnerNew

Sorting money together without the weird conversation. Whose, what, how much.

Chat with Theo →

💼

I've just gone self-employed

The tax reality nobody warns you about — and the moves worth making early.

Chat with Theo →

👶

I've just had a kid

Money feels different now. Let’s look at what actually matters from here.

Chat with Theo →

Working towards something

You've got a goal — let's make the numbers work

🏠

I want to buy my first home

What the real number is at your income — not the one in the headlines.

Chat with Theo →

🏖️

I want to retire earlier than my parents

How much that actually takes — and how close you already are.

Chat with Theo →

Browse all situations & topics →

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