Income minus bills minus spending. What's left is your surplus — the only number that builds wealth.
About OurWealth
Most money apps watch you spend. This one helps you get ahead.
OurWealth was built for a simple reason: the two of you earn decent money, and somehow it still disappears. Banking apps show transactions after the fact. Spreadsheets die by February. What households actually need is one shared, honest picture of the month — and a plan for what's left.
The problem
The information lives everywhere except where you decide.
Your bank knows the transactions. The spreadsheet knows the intentions. One of you remembers the council tax date and the other remembers the car insurance. Nobody can answer “so how are we actually doing?” in under ten minutes. OurWealth is the one place where that answer lives — updated the moment anything changes.
How it works
See the number. Make the move. Repeat until rich-ish.
Debt first? Emergency fund? Overpay the mortgage? Point the surplus at the thing that matters most.
A household that runs this loop every month for five years looks unrecognisable from the outside.
Truth in seconds
If it takes longer than a coffee order to know where you stand, the tool has failed.
Built for two
Shared money deserves shared facts. Most arguments dissolve when both of you see the same numbers.
Your data is yours
No selling your spending habits, no dark patterns. You pay a fair price; that's the business model.
Where this is going
From first budget to financial independence.
The household dashboard: income, spending, bills, debts, savings goals, mortgage tools, and statement import.
Partner invites, payday forecasts, goal timelines, and smarter debt payoff routes.
Bank sync, coaching that spots patterns before you do, and a freedom date you can watch get closer.