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Built for UK households

Stop guessing,
start planning.

See where everything your household earns, owes and owns is heading, spot risks and opportunities early, and test a decision before you make it.

Net worth, 2036
£575.4k
Surplus a month
-£1,515
Lowest cash, August 2027
-£3.7k

Sample household, invented figures, in today's money, as at 23/10/2026. Surplus is the next 12 months' average. In this sample, cash first goes below zero on 22/07/2027, when the roof repair is paid, and is back above it from December 2027.

A day-by-day model of your household, built from what you enter and run ten years ahead: cash, debts and net worth, in today's money or future pounds.

What you'll see in the demo

Where your money is heading

Net worth ten years out, the month each debt clears, what a child's savings reach by 18, and the effect of a decision on all of it. Overpaying the mortgage £300 a month, on the sample household, leaves net worth £7.3k lower in 2036, in today's money: the ISA that cash would have fed is assumed to grow faster than the mortgage costs.

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CrestCast Net Worth forecast for the sample household in the Combined view, on Annual with the chart on Balance and Summary and Milestones off. Headed Net worth by year, with the net worth at 09/2036 above it: green bars climbing year by year from Tdy to the end of the ten-year forecast, then a hint to tap a bar to see it in the statement below and a legend for positive net worth
Net worth: about £575k in 2036, in today’s money.

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A personal loan panel reading £2,416 of £5,500 paid, 44 percent, with tiles for a £3.1k balance, an 8.9 percent rate, a £175 monthly payment, £234 total interest and paid off in 1 year 7 months, above a what if you overpaid slider
Debt: each one with the month it clears, the interest it costs, and what overpaying changes.

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The CrestCast Family screen on Overview. A Your Household card reads 1 partner and 2 children, above a row each for Jordan, age 36, £1,600 a month income and 0 liabilities, tagged Partner; Olivia, age 8, £17,296 at 18, tagged Child; and Noah, age 4, £19,181 at 18, tagged Child. Tabs across the top read Overview, Jordan, Olivia and Noah, with a plus tab after them.
Children: Olivia’s pot reaches £17,296 by 18, Noah’s £19,181.

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CrestCast Compare Versions, Net Worth for the sample household: paired bars from Tdy to Y10, the two sets of bars near-identical, with a headline card above comparing "No Extra Payment (Baseline)" with "Overpay £300/mo" at the last year both plans reach and the difference between them
A decision, in future pounds: £727.2k in 2036 against £736.5k without the overpayment.
Try it on the sample household →

No account needed. It opens on the £300 mortgage overpayment.

  • No bank login.
  • CSV read on your device.
  • You choose what goes in.

Built by a Chartered Accountant

Luke Walsh BSc ACA PgDip

Why I built it →

Your financial data is never sold

Never sold or used for advertising, and shared only with the processors named in the privacy policy.

Privacy policy →

The method is published

How every figure is worked out, and the assumptions behind it.

How the forecast works →

The engine handles mortgages, pensions, student loans, UK tax, children, investments and debt.

What the demo shows

  • The forecast

    Cash, P&L, debts and net worth, ten years out, side by side with your plan.

  • See a cash shortfall before it arrives

    Whether and when cash dips below zero, with the bills and debts behind it, and the date each debt clears.

  • Know the next bill due

    The next bill or debt payment leaving, with its date and account, the two after it, and the total due in the next 7 days, all from the bills you entered. Sample household, as at 22/10/2026: After School Club, £220.00, due 02/11/2026, from Joint Account.

  • Test a decision

    Go part-time, move house, overpay the mortgage. Each is saved as a version beside your plan.

  • The workings

    Ask about any figure on any tab. CrestCast does the maths, not the AI, and every figure comes from something you entered.

Built-in AI assistant. Optional, off until you switch it on. What it can and cannot do →

£7.99 a monthor£79.99 a year

Annual saves £15.89 a year, about two months free.

One subscription covers your whole household Run by you

Start free trial

30 days free, no card. Then £7.99 a month or £79.99 a year for the whole household.

What's included →

Common questions

Is my data safe?

Yes. Your financial data is locked to your account by row level security, so nobody outside your household can reach it, and inside your household your partner sees only what you chose to share. It is stored on Supabase, an independently audited and certified cloud platform (SOC 2 Type 2 and ISO 27001), and encrypted both while it moves and while it is stored. CrestCast never sees your password or your card details. Read more →

Do you sell my data?

No. Your data is used only to run your own forecast. It is never sold, never used for advertising, and shared only with the processors named in our privacy policy.

Can CrestCast access my bank account?

No. CrestCast never connects to your bank and never asks for your bank login. You enter your own numbers, your data stays private, and the forecast reflects exactly what you tell it. If you would rather not type everything in, hand it the CSV your bank already exports. If the layout is not recognised, you map the columns once. CrestCast picks out the payments that repeat and offers each one as a bill or an income source for you to keep or ignore. That happens on your own device, with nothing uploaded. Read more →

Does the AI make decisions for me?

No. The assistant is optional. It drafts inputs from what you tell it and answers questions using only figures your forecast already shows. Nothing goes into your plan until you add it, and anything it drafts, such as a what-if, is saved as a separate version beside your plan, so the choice stays yours.

Is this financial advice?

No. CrestCast is a forecasting and planning tool, not regulated financial advice. It shows what each choice does to your numbers; the decision is yours.

Where is my data stored?

Your plan is stored by Supabase in Frankfurt, Germany (EU). The app is served by Vercel, which does not store your plan, and payments go through Stripe, which keeps your card details. If you use the AI assistant, your message goes to Anthropic, which can process it in the United States and does not train its models on it.

Can I delete everything?

Yes. Delete Account in Settings removes your figures, forecasts and saved versions. Nothing goes straight away: we wait 30 days, and signing back in before then cancels it. If you share a household, your partner keeps their own copy of the joint items.

How accurate is the forecast?

The arithmetic is not estimated. UK income tax, National Insurance and student loan repayments are calculated from the published rules, every loan runs on its own repayment schedule, and your bills and pay changes land on the dates you give them. When a salary or a bill turns out different, log the real amount in your inputs and the forecast carries on from it. Tap any figure on a statement to see how it was worked out. Read more →

More

Stop guessing,
start planning.

Start your trial, invite your partner, and see where your household's money is heading.

Start free trial

30 days free, no card. Then £7.99 a month or £79.99 a year for the whole household. Cancel any time to stop the next renewal.

Luke Walsh BSc ACA PgDip

Founder, CrestCast

Tell us what you think: a line is plenty, and critical messages are as welcome as any.

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