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FinanceLab

Predictable wealth.
Not just spreadsheets.

Model scenarios like mortgages, pensions, and quitting your job to start a business. Optimise your trajectory and update it as life happens.

Try the demo free →
Early access is live · Subscriptions open later in October
financelab.app
FinanceLab app showing financial planning canvas

Change one rule. Watch your net worth reshape.

Increase your monthly ISA transfer and watch the impact compound across decades - projected in real time. Small adjustments early make an enormous difference later.

Canvas/Sheets/Current Trajectory

Current Account

Salary in · expenses out

£4,200
 

Stocks & Shares ISA

Long-term growth

£28,400
 
Baseline
Scenario

Built for the way money actually works.

Every account is a node. Rules govern how money flows between them. The timeline lets you navigate to any point in the future.

£2,000/mo

Easy Access Savings

savings account

£59,200

+£2,000this month
£0out
+£2,000net
£2,000in

Nodes

Each account is a node - balance, cashflow, and growth rules visible at a glance.

Salary × 0.15

Transfer from Salary to ISA

⌘↵

Maths

#*
#/
#+
#−

Nodes

#Salary
#ISA

# *

Multiplies two numbers.

#Salary * 0.1

= 10% of Salary

Formulas

Write formulas on any edge to control transfers - reference account balances, multiply by a rate, or express any logic.

Mar 2032
£112k

Timeline Scrubber

Drag the scrubber to any date and see exactly where each account will be at that moment.

See the canvas in action →

Track reality against the model.

Record your actual net worth at any point in time and compare it to your projection. Snapshots record your progress, and help you model more accurate scenarios.

14 Mar

Net Worth

£487,920

+£16,580(+3.5%)

Assets

£675,420

Debt

£187,500

Mortgage balance dipped below £190k — ahead of schedule.

12 Feb

Net Worth

£471,340

+£32,740(+7.5%)

Assets

£661,840

Debt

£190,500

1 Nov

Net Worth

£438,600

+£37,350(+9.3%)

Assets

£634,100

Debt

£195,500

1 Jul

Net Worth

£401,250

+£44,450(+12.5%)

Assets

£602,750

Debt

£201,500

Increased ISA contribution to £400/mo.

1 Jan

Net Worth

£356,800

Assets

£564,800

Debt

£208,000

Earn as you grow.

FinanceLab rewards financial progress with beautifully designed badges across four tiers. Get a legendary badge, and we'll ship you a physical edition - free.

First Sheet

Common

Budget Master

Rare

Early Adopter

Legendary

Debt Free

Epic

First Snapshot

Common

Early adopter badge - physical glass edition

Physical edition

Legendary glass badges, shipped free

Users who earn legendary badges receive a physical edition, crafted from glass and shipped to them for free.

What happens next.

Early access is live for our earliest waitlist members, and subscriptions open to everyone later in October.

  1. Interactive demo live

    Try it now

  2. Early access for waitlist members

    Live since 4 September 2026

  3. Subscriptions open to everyone

    Later in October 2026

Leave your email and we'll let you know when subscriptions open.

Questions

Good to know

Message from Dan

Founder, FinanceLab

Most personal finance tools ask you to look backwards. They categorise your spending, show you where your money went, and leave you to figure out the rest.

That's useful. But it's not the thing most people actually want to know.

The questions that keep people up at night are forward-looking. Can I afford this house? When can I actually retire? What happens if I start putting away more each month?

Today you solve those questions with a spreadsheet, a rough mental model, or an expensive conversation with a financial advisor. None of those options are particularly fast, visual, or enjoyable.

FinanceLab is a financial modelling tool that lets you:

  • Build your financial life as a visual flow of connected nodes
  • Scrub through a timeline and watch your net worth evolve
  • Test scenarios instantly and see the impact of decisions in real time

If you've ever wanted to understand your financial future without building a complex spreadsheet, FinanceLab is for you.

Stay in the loop

Be first when subscriptions open

Early access is now live for our earliest waitlist members. Subscriptions open to everyone later in October — leave your email and we'll let you know the moment they do.

Try the demo first →