The best free budgeting apps in the UK for 2026, compared: what each free tier really includes, what is paywalled, and who each app suits.
July 25, 2026Comments are off for this post.
The best free budgeting apps in the UK for 2026, compared: what each free tier really includes, what is paywalled, and who each app suits.
April 24, 2026Comments are off for this post.
Last updated: 9 June 2026
By Stiv · Design, technology and personal finance
This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.
This article is for informational purposes only and does not constitute financial advice. Some features of Plum involve investing, which carries risk including the possible loss of capital. Always do your own research or consult a qualified financial adviser. CoolCuration is not authorised by the Financial Conduct Authority. This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
Our Plum referral page shows any current new-user offer and walks through the sign-up, and using it supports the site at no cost to you.
Cool Factor
★★★☆☆
3 out of 5 · Cool
This Plum app review is based on three months of hands-on use. We set up Plum to run alongside our existing auto-saver to see whether it would earn a permanent place on our home screen. Plum is one of those apps that does a lot and wants you to know it. Auto-saving, round-ups, investing, bills management, cashback offers, interest-earning pockets. After three months of testing, here's whether all that activity translates into actually saving more money.
Read moreApril 22, 2026Comments are off for this post.
Last updated: 10 June 2026
By Stiv · Design, technology and personal finance
There are hundreds of money-saving apps in the UK app stores. Most of them are rubbish. The best apps to save money are the ones we've tested over the past few years, narrowed down and kept on our phones because they actually work. No fluff, no apps we downloaded once and forgot about. Just the ones that earned a permanent spot.
Between the team we've got about 12 money apps installed. Half of them we actually use. The other half sit there judging us. We tried about 20 apps before settling on this list. Some were too fiddly. Some had great ideas but terrible execution. A couple were brilliant but shut down. These are the survivors.
This article is for informational purposes only and does not constitute financial advice. Some apps in this list offer savings and investment features. Your capital may be at risk. CoolCuration is not authorised by the Financial Conduct Authority. This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
If you only set up one, make it Chip: it is the app that has quietly saved us the most by moving money before we miss it.
Read moreApril 1, 2026Comments are off for this post.
Last updated: 19 July 2026
By Stiv · Design, technology and personal finance
I have a Nationwide mortgage and have been testing mortgage overpayment tools since 2021, including Sprive alongside manual standing orders and savings apps.
Disclosure: This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
Not financial advice. CoolCuration is not authorised by the Financial Conduct Authority. This article is for information only. Your home may be repossessed if you do not keep up repayments on your mortgage.
Sprive leads the comparison below, and the sign-up offer it currently runs is covered on our referral page.
Looking for the best mortgage overpayment apps in the UK? Whether you want an app that automates everything, a savings tool that builds your overpayment pot, or a budgeting app that finds spare cash you didn't know you had, there are more options in 2026 than ever. I've tested and compared the main contenders so you can find the right one for how you actually manage money.
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