INTELLIGENT
Personal Finance

AI driven insights for
smarter financial decisions

How Mogul Works

Your Personal Financial Companion for the Future

Take control of your financial destiny with Mogul - the intelligent personal finance app designed to be your trusted guide for long-term wealth. By learning about your unique financial situation, Mogul provides you with tailored insights and actionable advice, empowering you to make smarter decisions today for a brighter tomorrow.

Empowering You to Achieve Financial Freedom

At Mogul, we believe that managing your money should be simpler, smarter, and more personal. Too often, financial planning feels overwhelming, with conflicting advice and no clear path forward. Mogul gives you the tools and insights you need to take control of your financial future, one step at a time.

Harness the Power of AI to Optimize Your Finances

Imagine having a financial expert by your side—one that knows your unique situation and gives you personalised financial information, anytime you need it. With Mogul’s advanced AI, you get just that. Our intelligent technology analyses your financial data and provides tailored responses designed to help you save more, invest smarter, and grow your wealth faster.

Mogul AI Powered Examples

Example 1 - Retirement Planning

You asked:
What age can I retire and maintain my current lifestyle?
Mōgul AI
Based on  your financial profile — monthly outgoings,  savings, investments, pension balances, anticipated returns, and your projected State Pension entitlement—you can likely retire and maintain your current lifestyle at around 61. This allows enough time for your pensions to grow, provides a manageable gap before State Pension kicks in (currently age 67), and offers flexibility if investment returns or expenses change slightly.
Show full calculation
Mōgul AI
Sure! You can download the full calculation by clicking these links:
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Retirement Calculation.pdf
Retirement Calculation.xlsx
Can I retire earlier by adjusting my spending?
Create a retirement plan for me

Example 2 - Use of Excess Money

You asked:
What is best to do with any money I have left over each month?
Mōgul AI

Every month, you currently have £360 remaining. Here are some options based on your current circumstances:‍

Mortgage Overpayments (4.6% Rate until March 2028)

(Best for becoming debt-free)

  • You effectively “earn” 4.6% on the amount overpaid, since you avoid paying that interest.
  • This reduces your outstanding balance faster and provides a guaranteed return.
  • The money isn’t easily accessible if you need it back later.

Savings (Currently 3.2% Rate)

(Best for accessibility)

  • Your money is relatively accessible, giving you flexibility for unexpected expenses.
  • You’ll earn 3.2% interest, which is less than your mortgage rate, so overall you save less in interest costs compared to mortgage overpayments.

Pension Contribution Calculation

(Best for building wealth)

  • Each £360 “net” contribution becomes a £600 “gross” contribution in your pension (income tax relief based on your current salary of £62,000).
  • Funds are largely inaccessible until you reach retirement age.
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Our Story

Like many, our financial stresses aren’t about yesterday; they are always about tomorrow.  
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The upcoming car service, the rising mortgage rates, the ever-increasing energy bills - they are like dark clouds on the horizon, always drifting closer. No matter how good our personal finance spreadsheets are, we always feel insecure about what the future has in store. 

BudgetWise, born out of this personal anxiety and societal need, aims to transform fear into foresight and stress into strategy.  It’s designed to be more than just an app: it is a solution to bridge the gap between present uncertainties and future possibilities. Offering personalised financial insights, BudgetWise transforms worry into strategy, allowing users to not just survive, but thrive in their financial journeys. Our app can help demystify your financial future, providing a roadmap for financial growth, insight and clarity: replacing stress with empowerment.

Why We Exist

Our vision is a world where everyone has access to the tools and knowledge they need to manage their money effectively and achieve financial freedom. We will achieve this by empowering individuals and families to take control of their finances and achieve their financial goals through smart budgeting, personalised financial insights, and predictive AI-powered foresight.

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Simple

Mogul is designed to make financial planning a breeze.
Our user-friendly interface and intuitive features ensure budgeting is straightforward and easy to understand.

Budgetwise secure Auth

Secure

Your financial information is precious, and we treat it as such. Mogul employs robust security measures to protect your data and provide a safe environment for you to manage your finances.

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Transparent

We strive to present clear, jargon-free insights to help you understand your financial situation better. We're passionate about ensuring you can make fully informed financial decisions with confidence and trust.

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Smart Budget

Optimise your financial situation with AI

Gain a deep understanding of your financial situation with our Personal Budget feature. Simply input your income and expenses, and BudgetWise will create a comprehensive yet easy-to-understand budget overview.
Our powerful AI offers tailored insights to your personal situation and offers financial wellness and health checks.

Budgetwise Owl
Hi, I'm Mogul!
I'm the ultimate AI wingman for personalised budget scenario generation, pension forecasting and investment strategies.
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Goal Tracker

Reach your financial goals

Set, track, and reach your financial goals with our Inspiring Goal Tracker. Enter your financial target — whether it's a dream holiday or a new car — and BudgetWise will provide actionable recommendations to achieve it. Your financial aspirations are within reach, let's achieve them together.

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Dynamic Foresight

Take charge of life's financial twists

Planning for financial change has never been easier. Our Dynamic Foresight feature utilises a blend of open-source data and your inputs to project scenarios, enabling you to understand potential effects of changes on your budget. Future-proof your finances by understanding the potential impacts before they happen.

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Goal Tracker

Reach your financial goals

Set, track, and reach your financial goals with our Inspiring Goal Tracker. Enter your financial target — whether it's a dream holiday or a new car — and BudgetWise will provide actionable recommendations to achieve it. Your financial aspirations are within reach, let's achieve them together.

Read More
Insights

Unlock Your Financial Perspective

Get a unique view of your financial world with our "Insights" feature. This tool uses your personal budget data to provide enlightening analytics, stats, and comparisons. Understand your financial standing, both in your personal realm and within wider society. See where you stand in terms of net wealth, income, savings, and outgoings among peers. Our compelling visualisations and easy-to-understand graphs empower you to not just track, but truly comprehend your financial journey. With Insights, gain the perspective you need to shape your financial future.

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The Data

You're not alone

77% of people are overwhelmed, anxious, or stressed about their finances

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Lack of Financial Confidence
Approximately 39% of adults in the UK (around 20.3 million people) do not feel confident managing their money. This lack of confidence contributes to the overall financial stress and poor financial decision-making.
- FinCap, 2024
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Widespread Financial Stress
The majority of UK residents (77%) are stressed about money, with 17% describing themselves as “very stressed” about their finances. On top of this, 14% said they worry about money every single day, while 12% worry about money two or three times a week.
‍- Money Advisor, 2024
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Avoidance of Financial Discussions
Financial issues are often not discussed openly. About 81% of people avoid talkingabout their finances, with fears of judgment, embarrassment, and being a burdento others being significant barriers. This avoidance can lead to poor financialdecisions and lack of preparedness for future financial needs.
- Money.co.uk, 2024
Insights

Unlock Your Financial Perspective

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Empower Your Understanding

Transforming your budget data into enlightening analytics, we help you grasp the nuances of your net wealth, income, savings, and outgoings. Through compelling visuals, embark on a journey of financial comprehension.

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Benchmark Your Progress

See where you stand amidst your peers. Drawing from wider societal data, we provide you with real-time comparisons, lending perspective to your financial status and progress. Navigate your path with a broader understanding.

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Forecast Your Future

Chart your course to a secure future, from next year to your pension years. By analysing your financial habits, we offer predictive insights into your financial future, including your pension outlook. With clear, digestible graphs, gain the foresight you need to effectively shape your financial journey.

FAQ

Frequently asked questions

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What is Mogul and how does it work?

Mogul is an innovative AI powered personal budgeting app designed to help individuals manage their finances effectively. Mogul offers  budget creation, dynamic scenario forecasting, and goal tracking to help you navigate towards financial freedom.

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How does Mogul use AI?

At Mogul, we use AI to provide personalised financial insights tailored to your unique financial situation. Our AI analyses your income, expenses, assets, and debts to generate a comprehensive overview of your financial health. It offers suggestions on how to optimise your budget, save more effectively, and plan for future financial goals based on your spending patterns.

By leveraging AI, Mogul helps you make smarter decisions with real-time data and dynamic financial models, empowering you to take control of your finances without the need for complex tools or professional services. However, all recommendations are informational and not financial advice.

When will the Mogul app be available?

Mogul is currently in development, and we anticipate a beta launch within H1 of 2025. To be one of the first to try it out, sign up for our mailing list for updates and early access.

How secure is Mogul?

Your security is our priority. At Mogul, we ensure that your personal and financial data is protected with top-notch security measures. We are committed to maintaining the confidentiality and integrity of your data.

Who can benefit from using Mogul?

Mogul is ideal for anybody aged 18 or older who wants to gain control of their personal finances. Whether you're a student, professional, or retiree, BudgetWise has tools and features to help optimise your financial planning.

What sets Mogul apart from other budgeting apps?

Mogul is designed to be simple, secure, and transparent whilst delivering AI-powered insights. Mogul offers unique features like dynamic scenarios and personalised financial insights that help users understand and optimise their financial situation. Mogul focuses on looking ahead to predict how changes in circumstances will affect your finances, giving you the confidence to grow your finances.

Does Mogul provide insights into my financial habits?

Absolutely! Mogul offers an "Insights" feature that uses your budget data to give you valuable information into your financial situation. You can also see how you compare with your peers in terms of income, savings, pension, and outgoings.

How can I stay updated with Mogul's development and launch?

Join our mailing list to get the latest updates on Mogul's progress and be among the first to gain access to our innovative budgeting app.

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Budgeting for Good

Supporting UN Sustainability Goals

Good Health and Wellbeing
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Good Health and Wellbeing

BudgetWise supports 'Good Health and Wellbeing' by enabling financial stability, which is crucial for maintaining mental and physical health.

Reduced inequality
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Reduced Inequalities

By offering accessible financial tools, BudgetWise aims to reduce economic inequalities, empowering users from diverse backgrounds to achieve financial resilience.

Responsible Consumption and Production
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Responsible Consumption and Production

BudgetWise encourages responsible consumption and production patterns, guiding users towards sustainable spending and resource utilisation.

Partnerships for the Goals
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Partnerships for the Goals

BudgetWise believes in 'Partnerships for the Goals', collaborating with various stakeholders to align financial planning with broader sustainability objectives.

The Mogul mobile app will be available soon!

Launching on the iOS App Store and Google Play Store soon

Get early access
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© 2023-2025 BudgetWise Ltd, trading as Mogul. Registered in England, Company No. 15344334.  All rights reserved. The BudgetWise name is a registered trademark in the United Kingdom and the United States of America. Any unauthorised use, copying, or distribution of the BudgetWise or Mogul name and/or logo is strictly prohibited.