UK personal finance · private by design · invite-only beta
See the whole cloth.
Every account, transaction, budget and pension, woven into one private picture you actually own. Import your statements, close each month, and see years ahead.
The AI only ever sees amounts, never your name, accounts or dates.
Net worth
£48,210
+£1,240 this month
Left to spend
£420
11 days left
This month’s weave
How it works
It starts with a statement you already have.
No bank logins, no third-party data grab. You bring the file; Tweed does the weaving.
Step 1
Export a statement
Download a CSV from your bank or card, the file they already give you. No logins to hand over, no open-banking middleman.
Step 2
Drop it into Tweed
It parses the file, sets internal transfers aside, removes duplicates, and categorises every line, with a badge showing exactly how.
Step 3
Close the month
Reconcile your balances and lock the books. That snapshot is what your forecast and net-worth projection are built on.
What Tweed does
One private place to budget, forecast, plan and track your net worth.
Import the statements you already have, and Tweed weaves every account, transaction, budget and pension into one picture you own, with no open banking and no data broker in the middle. Depth when you want it, calm by default.
Import · every thread
Every transaction sorted, and it shows its work
Drop in a CSV from any UK bank or card. Tweed sets internal transfers aside, drops duplicates and categorises every line. Each one carries a small badge telling you whether a rule, a learned merchant, the AI or you put it there.
- CSV import from every major UK bank and card, no open banking
- Transfers detected and duplicates removed automatically
- Categorisation you can see, and correct in one tap
Spending · July
Budget · every pound
Zero-based budgeting that gives every pound a job
Split your income across Needs, Wants and Savings, then allocate until nothing is left unassigned. Tweed tracks budgeted against spent as the month runs, so you always know what is genuinely free.
- Give every pound a job until “left to allocate” reads £0
- Needs, Wants and Savings groups, with fixed and variable flagged
- Budgeted, spent and remaining, updated as you go
Budget · left to allocate
Every pound has a job.
Forecast · the months ahead
Cashflow forecasting with an 18-month runway
Close a month and Tweed projects it forward. You see next month’s balance, an 18-month runway against the safety buffer you set, and the tightest month called out well ahead of time. These are estimates you can plan around, not guarantees.
- Next month by income, fixed, savings, variable and one-offs
- An 18-month runway with your buffer line and tightest month
- Cash and credit side by side, budgeted or 3-month-average basis
Forecast · next month
The Lab · scenario planning
Model the “what ifs” before you commit
The Lab runs on the same maths as your plan, so its answers are real rather than a toy. Test a big decision against your runway before you make it, whether that is a car on finance, a kitchen refit, a salary change or a windfall. Tweed overlays the scenario as a dashed line, so you can see exactly when it bites and when things recover.
- Add commitments like a car on PCP, or one-off costs
- See a dashed overlay against your real 18-month runway
- Watch freed-up money, like a loan clearing, lift the line
The Lab · runway with scenario
Wealth · the whole picture
A net-worth tracker that watches the long game
Every account, pension and debt rolls into one net-worth figure, shown in today’s money as well as nominal. Tweed tracks your ISA and pension allowances as you use them, and keeps your savings goals in view.
- Net worth over time, nominal or inflation-adjusted
- ISA and pension allowances tracked against the annual limit
- Goals with progress, plus accessible and locked-away split
Wealth · net worth
Close · the monthly ritual
Close the month in about fifteen minutes
A calm four-step ritual: import, review, reconcile balances, then confirm. Locking the month creates the snapshot every forecast and net-worth projection is built on, so your numbers stay honest.
- Guided steps that flow Import, Review, Balances, Confirm
- Reconcile real balances so nothing quietly drifts
- One locked snapshot behind every projection
Close · June
- 214 transactions imported
- All categories reviewed
- Reconcile 5 account balances
And it stays private throughout. The AI is only ever sent descriptions and amounts, never your name, accounts or dates. See how privacy works →
Pricing
Honest pricing. We sell software, not you.
Everything you need to track your money stays free. Upgrade when you want it automated, and again when you want to plan the years ahead.
Free
Track and understand your money, privately.
No card needed
- Up to 2 accounts
- Import from UK banks by CSV: Monzo, Starling, Barclays, HSBC and more
- Spending, budgets and the month-end close
- Custom categories and the weave
- Plain-English insights, worked out on your device
- Your data, exportable any time, encrypted at rest
- Ongoing AI categorisation
- Cashflow forecast and wealth planning
Pro
Automate the boring bits and see further.
Billed monthly
- Everything in Free
- Up to 6 accounts
- AI categorisation that learns your merchants
- Cashflow forecast, see the month before it happens
- Wealth tracking: net worth, take-home, projections
- Fuller analytics: full history and custom ranges
- The Lab and saved scenarios
- Monthly AI insights
Premium
Plan your whole financial future.
Billed monthly
- Everything in Pro
- Unlimited accounts
- The Lab: mortgage, savings and what-ifs
- Saved scenarios and planned changes
- Monthly AI insights, written for you
Payments by Stripe · prices in GBP · VAT included · cancel any time
Private by feel, not just by policy
Woven for you alone.
Your finances stay yours. We make money from subscriptions, never from selling what we learn about you. The AI is sent only descriptions and amounts, never your name, account numbers or dates. Export everything, or delete it all, whenever you like.
From the founder
Why I built Tweed.
A personal note on the 2am maths, the fragments, and the picture we wanted instead.
It wasn’t that we were in trouble. It was the not-knowing that was exhausting.
I started building Tweed during maternity leave, up at 2am trying to tally whether we could afford another month off, and realising I didn’t know. Our money was spread across current accounts, a joint account, cards, ISAs, pensions, a mortgage. Each app did its job; together they gave us only fragments. Tweed is the one place we wanted.
— Rachele, Founder
Read Rachele’s full storyFAQ
Questions, answered.
A few of the most common, with 33 more on the full FAQ page.
Is Tweed free?
Tweed is free while in beta. When we launch publicly, paid plans will unlock additional features. Everything core — importing, budgeting, forecasting, and wealth tracking — stays free.
Does Tweed connect directly to my bank account?
No. Tweed uses CSV import only. We never connect to your bank, request read access to your accounts, or ask for your banking credentials. This is a deliberate design choice — your banking relationship stays entirely between you and your bank.
What does the AI see?
On Pro, Tweed sends transaction descriptions and amounts to Anthropic’s API for categorisation and insights. It never sends your name, email address, account numbers, sort codes, or dates. The AI cannot identify you from what it receives.
What does Tweed actually do?
Tweed brings together spending tracking, budgeting, cashflow forecasting, and long-term wealth planning in one place. A typical month: import your statements, review your spending, close the month, check your forecast. Around 15 minutes.
What does Pro add?
AI-powered categorisation and written monthly insights, both powered by Claude. Categorisation uses Claude Haiku to make a best-guess category for anything your rules don’t catch. Insights uses Claude Sonnet to write a short summary of your month — where spending shifted, what’s changed, what to watch.
Invite-only beta
Tweed is being woven quietly.
We’re letting people in a few at a time so every thread lands right. Leave your email and we’ll send an invite when a place opens.
Free while in beta.
Already have an invite code? Sign up