— For people with money sitting around
Your savings are losing value. Quietly. Every month.
You know cash “loses to inflation.” Almost nobody runs the actual figures. Theo does — on your money, in plain numbers. How much should be in cash (less than you think). How much should be earning (more than you think). What you've already lost (more than you'd like).
Summer 2026 · Free · No card
Or see what yours has cost you ↓
The scale of it
£316bn
Sits in UK current accounts earning roughly nothing. About 60% of British adults don't have an ISA. The default isn't inertia. It's the system.
Source: Bank of England M4 retail deposits, HMRC ISA Statistics 2024. Most people aren't lazy. Almost no one runs the actual numbers because almost no one is asked to.
Run your numbers
What your cash should actually be doing.
Inflation doesn't pause for indecision. Each month sitting still costs you roughly the same again.
£15,000
£2,000 / mo
What sitting still has cost you
£861
Your £15,000 now buys what £14,139 would have bought when you first parked it. Inflation took the rest — quietly, without you signing anything.
What a split like yours often looks like
Your £15,000, in three buckets.
Emergency fund
£6,000
3 months of essentials in instant-access cash. The 'oh shit' buffer. Anything beyond this in cash is earning less than it could.
Tax shelter (Stocks & Shares ISA)
£9,000
Many savers use this year's ISA allowance for money they won't need for 5+ years. Growth and dividends aren't taxed inside an ISA. Use it or lose it — resets 5 April.
In 5 years, on each path
Doing nothing
0.5% current account
£15,379
Sorted
EF + ISA + working harder
£18,964
The gap
What inaction costs
£3,585
Want Theo to do the actual split — picking the right ISA, the right cash account, the right pension move — on your numbers?
Inflation drag assumes 3% UK CPI and a 0% current account. Projection assumes 4.5% best easy-access cash and 5% post-fee long-term S&S ISA return — a conservative assumption based on historical UK equity returns. Past performance is not a guide to future returns. This is guidance, not regulated investment advice.
A scenario you'll recognise
Same starting pile. One afternoon's admin.
Sarah, 29. £45,000 sitting in her current account — built up over a few years of casual saving. Never opened an ISA. Knows she “should be doing something” but never knew what. A plan like this takes about an afternoon to execute.
Sarah's 5-year delta
£10,500 more in her pocket. Same starting pile. One afternoon's admin.
Illustrative — assumes 5% annual growth, not guaranteed.
The hard part isn't the maths. It's knowing what the maths actually says.
Composite scenario, drawn from common UK saver situations and our user conversations. Run your own numbers above.
What Theo does
Not a one-off split. Theo runs your money continuously.
Reads.
Your full financial life — current accounts, savings, ISAs, pensions, investments, debts — through regulated Open Banking. So ‘how much should be in cash?’ becomes a real answer, not a guess.
Thinks.
About every cash decision. Emergency-fund size on your actual essentials. ISA allowance against your timeline. Best easy-access rate this week. Whether to top up your pension instead of opening a GIA. On your numbers, in plain English.
Watches.
Every payday, every rate move, every 5 April. Nudges you to use the ISA allowance before it expires. Tells you when a better cash account opens. Quietly. The optimisation a private bank does for £500k clients — running on yours.
“Almost every UK adult has cash sitting still that’s losing them four-figure sums a year. They’re not lazy or stupid. The system never tells them. Banks don’t volunteer that your money should be elsewhere. MSE shows you 50 options. Nobody runs your specific numbers and tells you the answer. That’s the gap. That’s what Theo is.”
— Ciaran Hughes, Founder
Theo is financial guidance — not regulated advice. We hold ourselves to the standard of the FCA's Consumer Duty even though, as a guidance service, we're not required to. Encrypted at rest and in transit. Never sold.
— A closing argument.
Stop letting your money quietly lose value.
Theo runs the split on your actual numbers — every payday, every rate change, every tax year. Boring done better.
Summer 2026 · Free · No card