Take Charge of Your Money with Calm, AI-Guided Support

Helm brings your pensions, ISAs, savings, and spending into one secure view, translating scattered balances into calm next steps you can trust.

Privacy-first, read-only connections across UK banks, cards, and investments keep you in control at every step.

How much can I top up my ISA this month?↗

Our Manifesto

In a financial world that rewards urgency and noise, staying on top of what matters can feel impossible. Helm gathers every account you rely on and gives you the quiet clarity to protect the future you're building.

We believe advice should be plain English, encrypted, and aligned with your goals—not ad impressions. Our AI guidance works over secure UK open banking connections so the decisions you make are powered by your data, never sold by it.

What should never feel overwhelming is your money. Helm gives you space, insight, and confidence to act when it matters most.

FCA-aligned open bankingSecure, read-only connections across leading UK banks and platforms.

Privacy-first designYour data stays encrypted, transparent, and never sold.

Calm AI guidancePlain-English recommendations tailored to your goals.

How Helm Works — Guided, Secure, and Built Around You

Helm keeps you anchored to the bigger picture while helping you make confident choices in the moment. Connect UK pensions, ISAs, savings, and spending once, and our calm, AI-powered guidance translates every number into clear actions.

Step 1

Connect your financial world

Link UK bank accounts, credit cards, and investment platforms through secure, regulated open banking connections so every balance and transaction syncs automatically.

Step 2

Let Helm digest the detail

Helm’s AI financial planning engine categorises spending, tracks net worth, and surfaces practical trends — from cash-flow creep to unused ISA allowance — without the noise.

Step 3

Receive personalised, plain-language guidance

Insights arrive as conversational prompts tailored to your habits, timeline, and goals, so you always know the next smart step to take.

Step 4

Track progress with confidence

Stay anchored to the bigger picture with a calm dashboard that shows where you stand today, helps you plan for tomorrow, and celebrates the wins along the way.

Step 5

Stay protected every step

Helm uses read-only access, bank-level encryption, and privacy-by-design controls. Your data stays yours — never sold or shared.

Chat and voice options for financial guidance

Clarity over complexity. A calm overview of your money and the clear next steps to take.

For busy professionals who want control without overwhelm, Helm is your guide.

Are you fed up of?

Scattered Accounts

Pensions, ISAs, savings, and cash everywhere — but no clear view of the whole picture.

Complicated Jargon

Financial language that makes you feel small, confused, or stuck instead of confident.

Overwhelming Apps

Endless dashboards, charts, and notifications that add noise, not clarity.

Unanswered Questions

Never really knowing if you're on track — or what the next smart move should be.

All Your Accounts in One Place

Helm uses secure Open Banking connections to keep every bank, savings, investment, mortgage, and credit account in sync — so you always know exactly where you stand.

Linked

Monzo

Current Account

£5,420.50

Available to spend: £5,200.00

Linked

Barclays

Cash Saver

£18,750.00

Savings goal on track: 92%

Linked

Vanguard

Stocks & Shares ISA

£27,365.40

1Y growth: +8.4%

Linked

Home

Property

£550,000.00

Estimated valuation

Linked

Nationwide

Residential Mortgage

£312,400.00 outstanding

Next payment: £1,245 due 1 Oct

Linked

Mastercard

Rewards Credit Card

£1,240.18 due

Statement closes in 3 days

Financial Insights

Real-time views that turn your connected accounts into actionable guidance. Track how your cashflow, spending, and net worth evolve as Helm keeps every balance in sync.

Net Worth

£287,896

+£8,825 over the last 5 months

Assets

£601,536

Includes cash, investments, and property

Liabilities

£313,640

Outstanding balances across connected credit and lending

Savings Rate

33.8%

Based on last month's inflows vs. outflows

Cashflow Trend

Last 5 months

Monthly Spend

Top categories

Net Worth Progression

Rolling 5 months

Account Distribution

Assets vs. liabilities

Home Property£550,000

Nationwide Residential Mortgage£312,400

Vanguard Stocks & Shares ISA£27,365

Barclays Cash Saver£18,750

Monzo Current Account£5,421

Mastercard Rewards Credit Card£1,240

Quick comparison of total liquid assets vs. active liabilities.

£601,536 in liquid assets and £313,640 in liabilities tracked across your connected accounts. Net worth reflects assets minus liabilities.

Security

Your data, your control.

Helm connects through secure Open Banking APIs on a strictly read-only basis. We can’t move money, make payments, or change anything. It’s like sharing a bank statement — entirely digital, fully encrypted, and always under your control.

Read-only by design

Helm shows balances and transactions without any ability to move money or change accounts.

Open Banking consent

You decide what to connect and can revoke access at any time from within Helm or your bank.

Helm helps you understand your money and suggests the next step. That’s it — your money never leaves your control.