kwıd Coming soon

The money app that listens to you.

Your bank knows what you spent. It doesn't know about the wedding in June, the MOT next month or the house you're saving for. Tell kwid, and it plans your money around the life you've actually got.

What you've told kwid

  • My sister's wedding14 June · dress, present, hotel£650
  • MOT and a serviceMarch£280
  • Deposit for a flatBy summer 2028£15,000

kwid suggests

Put £120 a month aside from October and the wedding and the MOT are both covered, without touching your deposit.

We don't guess what you spent it on.

Most money apps look at your bank transactions and take a stab at what they were. A Tesco payment gets filed as groceries, even when part of it was wine for Saturday and a present for your mum. With kwid you just say it, as you go or at the end of the day, and it matches your words to your bank. It only asks about the ones it can't work out.

What your bank saw

TESCO STORES 3401£87.40

“Big shop. The wine's for Saturday, twenty quid was Mum's present, and I grabbed batteries for the smoke alarm.”

What kwid knows

  • The big shop£47.40
  • Wine for SaturdayDinner with friends£14.00
  • Mum's birthdayFor Mum£20.00
  • Smoke alarm batteriesFor the house£6.00

Suggestions that make sense for you.

Once a month, kwid looks back at how things went and tells you what changed and why, in plain English. Then it suggests what to do next, based on what's coming up in your life, not a one-size-fits-all rule about cancelling Netflix.

Your October

A calmer month than September.

You kept £212 more. Most of the difference was September's boiler repair, which was a one-off.

What changed

  • Eating outTwo fewer Friday takeaways£64 less
  • Rob's weddingThe suit and the present, now done£180
  • EnergyYour new tariff started£22 more

Worth doing this month

Rob's wedding is paid for, so the £60 a month you were putting aside for it is free. Sending it to your deposit brings the flat about five months closer.

A budget built from your real life.

After your first month, kwid drafts a budget from what you really spend, with room already made for the things you've told it about. Then it maps out the road to the big stuff, whether that's a holiday, a deposit or finally having a few months' breathing room.

Your plan

A week in Portugal£800 of £1,800
August. £100 a month gets you there in time.
Deposit for a flat£3,100 of £15,000
Summer 2028. That needs about £570 a month and you're putting away £350, so we've shown you two ways to close the gap.
Breathing room£2,900 of £4,500
Three months of the essentials, for whatever life throws at you.

Where you stand, every day.

Open kwid and you'll see what you've got left until payday, once the bills and your savings have gone out. No scrolling through transactions, and no sums in your head.

Today · Tuesday 21 October

£412left until payday
9 days to go

After everything below has gone out.

  • Council taxGoes out on the 1st£168
  • PhoneGoes out on the 3rd£22
  • SavingsPut aside on payday£300
One thing from yesterday to tell me about

Made for how households really work.

Just you, a couple, a family or housemates, kwid copes. Joint accounts, money moving between accounts, a credit card cleared by direct debit every month. It follows how your money actually moves, so nothing gets counted twice and everyone can see who's paid for what.

How your money moves

  • Both your pay→joint account£1,600 each on payday£3,200
  • Joint account→mortgage and billsDirect debits, first of the month£1,640
  • Sam's credit card, paid off from the jointCounted once, as the shopping it paid for£640
This month, Sam owes Alex £34.50 for the shared bills.

Want to see it take shape?

We're building kwid now. Follow along and you'll be the first to hear when it's ready.