Building the Future of
Financial Planning

We're on a mission to create an end-to-end financial planning platform that actually helps people achieve their goals. Starting with budgeting that works, expanding to complete financial wellness.

Our Mission

Why We're Building TBY

Traditional financial tools are broken. They make you do all the work, give you generic advice, and leave you feeling overwhelmed instead of empowered. We believe managing money should be intuitive, personalized, and actually helpful.

That's why we're building TBY — a financial platform that understands your life, learns your habits, and actively helps you make better decisions. We're starting with budgeting because it's the foundation of financial health, but our vision goes much further.

Our Journey

From smart budgeting to complete financial planning—here's how we're building the future of money management.

Today2024
Best-in-Class Budgeting
Smart budget creation, AI-powered categorization, and proactive notifications that actually help you stay on track.

Core Features

  • • Lifestyle-based budget creation
  • • AI transaction categorization
  • • Personalized spending alerts
  • • Goal-oriented financial planning

Why It's Different

  • • Asks about goals, not spending limits
  • • Minimal manual work required
  • • Proactive, not reactive
  • • Personalized communication style
Tomorrow
Smart Savings & Goal Planning
Long-term goal planning with intelligent automation to help you save effortlessly and reach your financial milestones.

Planned Features

  • • Automated round-up savings
  • • Smart goal-based saving plans
  • • Long-term financial projections
  • • Intelligent spending optimization

Smart Automation

  • • Automatic emergency fund building
  • • Vacation and goal-specific savings
  • • Debt payoff optimization
  • • Investment readiness planning
Future
Complete Financial Platform
Full-service financial planning including investments, mortgages, pensions, and comprehensive wealth management.

Investment Services

  • • ISAs and tax-efficient investing
  • • Automated portfolio management
  • • Retirement planning (pensions)
  • • Risk-adjusted recommendations

Major Life Events

  • • Mortgage planning and optimization
  • • Insurance needs analysis
  • • Estate planning basics
  • • Life transition support

Our Values

The principles that guide everything we build.

Human-Centered

Technology should adapt to people, not the other way around. We build tools that understand human behavior and work with your natural habits.

Trustworthy

Your financial data is sacred. We use bank-level security, transparent practices.

Effortless

Managing money shouldn't feel like a chore. We automate the tedious parts so you can focus on living your life and achieving your goals.

Join Our Journey

Be part of building the future of financial planning. Get early access and help shape the platform that will transform how people manage money.