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Budget tracker
See exactly where every pound goes each month. Womho breaks down your take-home pay into housing, food, savings, and spending — automatically.
Womho
Free
Always free
2 min
Setup time
100%
UK-specific
0
Bank connections needed
AI
Powered assistant
Everything you need to master your money
Womho combines tools that usually cost money — for free, built specifically for the UK.
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Savings goal tracker
Whether you're saving for a house deposit, holiday, or emergency fund — set a target and Womho shows how long it'll take based on your real income.
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Debt payoff planner
Credit cards, loans, student debt — Womho calculates the fastest way to clear what you owe and shows your total interest saved over time.
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Pension projection
See your projected pension pot at 65 based on your current contributions. Adjust the sliders and watch the numbers update in real time.
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AI financial assistant
Chat with Womho's AI to set up your profile in minutes. Ask questions like "Can I afford a car?" or "How long to pay off my credit card?" and get instant answers.
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Gamified streaks & XP
Earn XP for checking in daily, hitting savings milestones, and completing money challenges. Finance that feels like a game — built to keep you engaged.
Set up in 2 minutes
No spreadsheets. No bank login. Just answer a few questions and your dashboard is ready.
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Pick your goal
Tell Womho what you're working towards — house deposit, debt-free, pension, or just understanding your money.
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Chat with the AI
Our AI asks a few questions — salary, regular expenses, any debts. Takes about 2 minutes, no jargon.
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See your dashboard
Your personalised finance dashboard is live instantly. Budget breakdown, goals, projections — all calculated for you.
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Built specifically for the UK
Most finance apps are American. Womho understands UK income tax, National Insurance, student loan plans, ISA allowances, and UK pension rules — out of the box.
✅ UK income tax (all bands)
✅ National Insurance
✅ Student loan plans (1, 2 & 5)
✅ ISA annual allowance
✅ Workplace pension (auto-enrolment)
✅ Help to Buy / LISA
✅ GBP throughout
✅ UK cost of living benchmarks
Frequently asked questions
Is Womho free?
Yes — Womho is completely free. No subscription, no credit card required. We don't sell ads or your data.
Is Womho only for UK users?
Yes. Womho is built specifically for UK adults — it uses GBP, understands UK tax rates, student loan plans, ISA allowances, and UK pension rules.
Is my financial data safe?
Your data is encrypted and stored securely. We never sell or share your financial information with third parties.
Do I need to connect my bank account?
No. Womho works by you telling it your income, expenses, and goals. There's no need to link any bank accounts.
How long does setup take?
About 2 minutes. Our AI asks you a few simple questions — salary, main expenses, financial goal — and your dashboard is ready.
What makes Womho different from other finance apps?
Womho combines an AI assistant, gamification (XP, streaks, levels), and a clean dashboard built for UK-specific finances — all for free, with no bank connection required.
Start mastering your money today
Free, private, and built for the UK. Ready in 2 minutes.
Get started — it is freeNo credit card · No bank connection · No ads