Stop guessing,
start planning.
CrestCast is the only UK planning app that gives a household all three financial statements, not just a budget: where the cash actually goes, what you own and what you owe, and whether you are genuinely better off each year. Ten years ahead, from the real numbers you type in.
Ask it what you are actually weighing up. Could we afford the bigger house? Can one of us go part-time when the baby comes? Overpay the mortgage, or invest it? It plays each answer through your own numbers and shows you what you would have, what you would owe, and when each debt clears, one, five and ten years from now. So you know where you are headed, and what it would take to change it. Run by you, and one subscription covers you and your partner.
Try it free for 14 days, no card needed to start. Then £7.99 a month, or £79.99 a year for a 17% saving, one subscription for your whole household. Cancel any time.
What you can actually decide with it
The questions a spreadsheet never quite answers
Every one of these has a number attached to it, and the number sits in the future rather than in last month's statement. Put your real salary, mortgage, bills and plans in once, then ask any of them and get an answer you can read, instead of a hunch.
Each one links to a full worked breakdown, or browse everything on the blog →
See it in action
Your position today.
Or click around it yourself
The demo opens on a worked example household: a mortgage on a fix that runs out, a credit card about to revert off 0%, a partner, and two children's savings pots. Switch between personal, joint and household, move the date years forward, open any statement down to its line items, and see what a £300 a month overpayment does to the mortgage.
Open the interactive demo →No account needed. The figures are a sample household, not a real one.
Run it yourself
Serious planning, without handing it over
The usual answer to a complicated financial life is to pay an adviser a percentage of it, every year, to model your future and hand you the conclusions. CrestCast gives you the same kind of forward-looking model for a fixed monthly price, driven by you: see the workings, change any assumption, and keep the decisions.
It is a planning tool, not a financial adviser. It does not recommend products or tell you what to do. It shows you what each option does to your money, which is usually the part that was missing.
How it compares with paying an adviser →You'll get the most from it if
- There is real money moving: a mortgage, savings, a pension or two, perhaps investments or a second property.
- You want to know where you stand, not assume it is probably fine.
- You'd rather see the numbers than be handed a conclusion.
- You think in years, not just in months.
- Decisions are coming that you want to test before you commit to them.
- You want one place holding the whole picture.
- You plan with someone, and it's easier to show them what a decision means than to talk them through it.
No accountant needed, and no expertise either. Being interested in your own money is enough.
The three-way forecast
Three views of the same future
Every business, from the corner shop up, runs on the same three statements, because strip the jargon off and they answer three plain questions: will the cash last, is more coming in than going out, and are we worth more than we were? A household makes decisions every bit as big, relative to what it has, and CrestCast is the only money app that builds all three for a UK household. It asks those three questions of your next ten years. In your words, about your life.
Cashflow forecast
Will the money be there when it's needed?
Your projected bank balance over time, right down to the day. Salary landing, bills going out, the month when the insurance, the birthday and the boiler all arrive at once. You see the squeeze coming while there's still time to do something about it.
How the cashflow forecast works →Profit & loss forecast
Are we actually building wealth?
Income against outgoings, played forward across the years. This is where a decision shows its real effect: what moving home, a new car or a few months on one income does to what's left over each month, and whether that surplus works hardest clearing a debt or growing a pot.
How the P&L forecast works →Net worth forecast
Where do we stand, and where will we?
Everything you own against everything you owe: where you stand today and, combined with the P&L, where you'll stand in five or ten years. Debts shrinking, savings and pensions building up. One line that tells you whether the plan is working.
How net worth tracking works →The forecast runs a full ten years ahead, far enough to hold the plans you're actually making. A bill that ends, or a salary that stops years from now with a pension drawn in its place: put the date in and all three views carry it from then on. Set the milestones you're aiming for and watch the forecast close in on them.
A pound in ten years is not a pound today, so every view can switch to today's money. And no figure is a black box: every balance can show its workings, built from the payments, the interest and the dates you entered. If CrestCast can't trace a figure back to something you typed, it doesn't show it.
One subscription, the whole household
Plan it together, from the same numbers
Big money decisions are rarely made alone, so CrestCast isn't priced per person. One subscription covers your household. Invite your partner and you're both reading the same forecast, the same debts and the same dates, which turns the big conversations from two half-pictures into one shared one.
A partner invite is included
No second seat to buy, no upgrade to find. Your subscription comes with an invite, so cost never decides who gets to see the plan.
Personal, joint and household views
One plan read three ways: your own position, the joint accounts, and the two of you combined. You can each see where you stand and where the household stands.
Children in the picture too
Give each child their own account and CrestCast projects it forward to the target age you pick, in today’s money as well as future pounds.
You choose what to share
Sharing is yours to set and yours to change whenever you like. Planning together never means giving up control of your own data.
Five things you will use most
Clearing debts and building wealth are one plan sharing the same pounds. Each of these reads from the same forecast, so change a number anywhere and the whole picture moves together.
Clearing your debts
When will we finally be free of this?
Drill into any mortgage, loan, credit card or student loan. See the exact month it clears, the total interest it will cost you before it does, and what overpaying a little each month would change.
Learn more →Trying it before you commit
What happens if we do this instead?
Model what-if changes: a different salary, going part-time, a bigger mortgage, moving house. Keep as many named versions of your plan as you like, then put two of them side by side and read the difference before you decide.
Learn more →Where the spare money goes
What should we do with what is left?
Set a minimum to hold in the current account, then send what sits above your target down an order you choose: emergency fund first, then the expensive card, then the ISA. When a month goes badly the forecast draws back up to that minimum instead of quietly going overdrawn.
Learn more →The dates you are already carrying
What happens when the fix ends?
The things you know are coming, put on a date rather than in your head: a fixed rate ending, the car finance finishing, childcare changing in September, a pay rise in April, a house sold. Each one lands in the right month and every view carries it from there on.
Learn more →Keeping the plan honest
Are we ahead of the plan, or behind it?
When real life lands, pin what actually came in or went out for a month and the forecast re-reckons from there. Your plan and your reality stay in step, so the numbers ahead always start from what truly happened.
Learn more →Where CrestCast fits
Built for the next 1-10 years of your household's finances
Budgeting apps show you where your money went. CrestCast shows you where it is going: the next one to ten years, worked out from your real salary, mortgage, bills and plans, so you can see what a decision does before you make it. That window is too near-term for a retirement calculator and too far ahead for anything that only looks backwards.
CrestCast forecasts the indigo stretch: far enough ahead to plan, near enough to act on.
Answers: where did last month go?
- Tracks spending by category
- Flags the budget you went over
- Keeps this month on the rails
Good at exactly that. But it reads the past, so it can tell you what happened, not what a decision would change.
Answers: what would this decision do to us?
- Shows what you will have, earn and owe over the next decade
- Shows the month every debt clears
- Plays a what-if through the whole picture before you commit
- Covers both of you: personal, joint and household views
Answers: will there be enough at 68?
- Projects a pension pot decades out
- Tests a growth rate and a retirement age
- Right for the final stretch
Also good at its job. But it starts at retirement, and the decisions between now and then are out of its scope.
None of this rules out the long term. Pensions and investments sit inside the forecast and are carried through it, so if you're nearer retirement it will still show you where you stand over the next ten years. It simply isn't a dedicated drawdown or annuity calculator; it's built first for the decisions of the next decade.
Checked 14/08/2026
And against the apps you already know
Here they are on the one question that separates them: how far ahead does each one actually look, and at what? Every cell was checked against each company's own site, help centre, App Store listing or filed accounts, never against another comparison blog.
Two things before you read it. A longer horizon is not a better one, and CrestCast does not have the longest here: we cap it at ten years on purpose, because past a decade a forecast stops being a plan and becomes arithmetic. Here is the whole argument. And CrestCast does not connect to your bank, which most of the others do. If a feed is what you want, one of them is the better answer and this table should help you pick it.
| App | How far ahead it looks |
|---|---|
| CrestCast | Ten years, day by day |
| Snoop | A bills-against-balance timeline to month end, plus a 15-year savings projection. No household cashflow forecast |
| Emma | To the end of the current month. Its True Balance nets an account against known upcoming payments |
| Plum | A goal or retirement outcome, expressed as one monthly contribution figure. No month-by-month balance |
| Monzo | One figure: what is left to spend this period after upcoming payments |
| YNAB | None, on principle. It argues against forecasting in its own guides |
| PocketSmith | Six months to 60 years, by tier. Weekly steps beyond three months |
Set up in an evening
A simple picture takes minutes, a thorough one an evening. That is one evening against knowing, from then on, what is coming and when. No accountant required.
Add your income
Enter your salary and CrestCast works out take-home pay using UK income tax and NI, plus the pay changes you already know are coming.
Add assets, debts & bills
Property, savings and pensions; the mortgage, loans and cards; bills on the right recurrence, or import a bank statement CSV and let CrestCast spot them. Add a partner and children if you plan together.
Read your forecast
Cashflow, Profit & Loss (P&L), net worth and debt analysis update instantly. Change anything and watch the whole picture move.
One subscription. The whole household.
No per-person pricing. Your subscription includes an invite for your partner, so you're both planning from the same numbers. And it's a fixed price for the household, not a percentage of what you've built.
or £79.99 a year, a 17% saving. That is £6.67 a month, 2 months free.
- An invite for your partner, so you plan together
- P&L forecast with surplus & breakdown views
- Net worth tracking over time
- Cashflow forecast day by day, month by month or year by year
- Debt & asset analysis with clearance dates
- UK income tax & NI calculations
- Student loan plans 1, 2, 4, 5 & Postgrad
- Assets: property, savings, investments, pensions
- Liabilities: mortgage, loans, credit cards
- Children’s accounts projected to the target age you pick
- Every figure in today’s money as well as future pounds
- Pin what really happened and the forecast re-reckons
- Net worth benchmarked against UK averages
- Bank statement CSV import, all on your device
- Joint household & combined views
- Scenario modelling & side-by-side version compare
- Export your data and your forecast tables
- Use in your browser or install as an app
14-day free trial, no card needed to start · Cancel any time
Your data
Private by design
- Locked to your account, encrypted in transit and at rest, on an independently audited platform. If you plan with a partner, you choose exactly what to share.
- No bank connection, no credentials, nothing pulled in. You type your numbers, or import a CSV that is read on your own device.
- Your financial data is used for one purpose only: running your forecast. Delete your account and everything with it, any time.
Help us build CrestCast
Try it. Tell us what you think.
CrestCast is built for households like yours, and the fastest way it gets sharper is hearing from the people using it. Set up your own forecast and send us your honest take. What clicked, what didn't, or the one thing you would change: it all counts, and we read every word of it ourselves.
Create a free account
Sign up and build out your own forecast. How long it takes depends on your finances: a simple picture is quick, a detailed one takes longer and is worth it.
Tell us what you think
Send your honest take to hello@crestcast.co.uk. A line is plenty, and the specific ones are the most useful.
See it in the product
Your take goes straight into what gets built next. There is no condition on what you say, and nothing you have to post anywhere.
We read every message ourselves, and the critical ones are just as welcome.
Leave an honest review
If CrestCast earns its place, say so where other households will see it.
Review us on TrustpilotFree, no account needed
Or start with a single number
Sometimes you only need one answer, not a whole plan. These are free to use and ask nothing of you: work out what an overpayment saves, when a card clears, or what a pot grows into. When you want those answers joined up across the whole household, that's what the app is for.
Common questions
Stop guessing,
start planning.
Sign up free, invite your partner, and see what your next decision really does to your money.
Create your free accountOne subscription, the whole household · Cancel any time.