Financial Planning
Feel confident you’re making the right decisions for your future
Join 10,000s of savers who have built a proper plan for their finances with the help of an expert.
Without a financial plan, you’re just hoping for the best
If you’re asking yourself: “Am I doing the right things for my future?”, it’s time to get a plan.
The table shows how your long-term picture can change when your decisions are guided by personalised advice.
| Without a financial plan | With a financial plan (regulated advice) | |
|---|---|---|
| Age | 38 | 38 |
| Salary | £60,000 | £60,000 |
| Investment contributions | Self-selected | Optimised through regulated advice |
| Pension contributions | Self-selected | Optimised through regulated advice |
| Portfolio approach | Self-selected | Optimised through regulated advice |
| Projected outcome after 30 years | £626,355 | £940,522 |
Please note: These outcomes are illustrative only and based on the optimisations and growth assumptions used by our planning technology. They include actions like optimising workplace pension contributions and investing non-emergency savings.
The research is clear : Research shows having a financial plan is the biggest predictor of future wealth and financial wellbeing.
Why Octopus Money
10,000s of people trust Octopus Money to help
them make the most of their hard-earned money.
Get matched with an accredited financial expert
We take time to really understand you: your goals, your worries, and what matters most. You’ll never feel judged or rushed or confused with complex jargon. Just supported, every step of the way.
Bring all the pieces of your financial life together
It’s hard to be sure how your savings, investments and pensions all fit together now and in the future. We bring everything into one clear, visual forecast, so you can see where you are today, where you’re heading and what to do next.
Stress-test your future plans
Create ‘what-if’ scenarios and test different life choices before you commit
- “What if I want to retire at 55 instead of 67?”
- “What if I take a career break?”
- “What if we renovate rather than move house?
Reduce the risk of costly mistakes
- Identify tax-efficient options
- Structure your savings properly
- Maximise your workplace benefits
- Good value investing options*
*According to an independent review by Boring Money in May 2025, Octopus Money costs less than the biggest names in financial advice.
OPTIONAL
Opt in to regulated advice that’s personalised for you*
Every year, we’ll recommend:
- Where to invest your money
- How much to invest
- How much to put in your pension
*We can help you understand if financial advice is right for you.
Our pricing
Fair, transparent pricing that’s 7x more affordable than the industry average.1
Getting Started
Creating your financial plan
Get help before you invest. We’ll work with you 1-on-1 to build a personalised financial forecast and action plan around all your goals.
Industry Average1
£2,000
Octopus Money
£299
Optional Ongoing Service
Investment & pension advice
Once you have your plan, we’ll manage your investments and pensions for you, alongside 1-to-1 ongoing advice and catch-ups every year.
Industry Average1
1.9%
Octopus Money
From 1.15%
From your investments
(per year)
If you’re starting with less than £100k, no one offers a more comprehensive service at a lower cost than Octopus Money.”
Boring Money | 2025
Boring Money reviewed the availability of interactive financial planning tools, multiple 1-to-1 sessions and personalised recommendations across saving, investing and pensions, reviewed annually (May 2025).
How it works
Step 1
Starter Session
30-45 minutes
We’ll get to know your goals, priorities and current finances – and answer any questions you have. There’s no charge for this session – if you want to proceed, you’ll pay £299 for your personalised financial plan.
Step 2
Planning Session*
30-45 minutes
We’ll show you a personalised forecast of your finances from now to retirement. You can then opt in to get clear, tailored recommendations to help you make the most of it.
Step 3
Action Session
30 minutes
We’ll walk through your specific next steps – covering savings, pensions, investments and more. You can decide if you want to invest and continue to receive ongoing advice from us. We’ll be here whenever you need us to keep things on track.
*You’ll have the option to opt-in and receive recommendations for your investments and pensions as part of our regulated advice service. Financial advice isn’t right for everyone. We’ll help you understand if it’s right for you.
How we stack up
We’re more than an investment app. Take your finances to the next level, with human support and personalised recommendations.
 |  |  |  | |
|---|---|---|---|---|
| Ongoing support from a dedicated coach |  |  | | |
| Interactive financial forecast and scenario planning | | | | |
| Personalised investment and pension recommendations* | | Portfolio recommendations | | |
| Experts build and manage a portfolio tailored to you* | | | | Some managed services available |
All competitor features taken from publicly available information on their websites as of June 2025.
*These are available as part of our regulated advice service. Financial advice isn’t right for everyone. We’ll help you understand if it’s right for you.
Meet the team
Our passionate and dedicated team of coaches
Mooka
Caspian
Case Study
Will I get my money’s worth?
The client
Meet Sarah
Octopus Money customer
- 38 years old
- Based in London
- Earning £60,000 per year
- She had some savings, no investments, and wanted to make smarter decisions with money.
- She worked with us to build a financial plan and get regulated advice.
The outcome
Here’s how our services helped Sarah unlock over £1,000 in value in the first 6 months alone:
- £600 extra in her pension pot from optimising workplace contributions (before taking into account 25+ years of compound growth)
- £215 from moving £10k to a better savings account
- £108 from cancelling unused subscriptions and investing the savings
- £61 from account switching
- £50 off a professionally written will
Please note: These outcomes are illustrative only and based on the optimisations and growth assumptions used by our planning technology. They include actions like optimising workplace pension contributions and investing non-emergency savings.
See how it works
Watch a step-by-step walk-through of
the full planning and regulated advice experience.
How we’ve helped people like you
Planning for childcare or education
No one prepares you for the real costs of raising kids…but a financial plan can give you and your family more financial stability. Whether it’s childcare, school fees, university costs or a nest egg you can pass on, we’ll help build the right strategy.
Buying a property
Whether you’re saving for your first property or trading up to the house of your dreams, we’ll build you a plan to get there and find the best mortgage deal for you.
Planning for retirement
It’s easy to be so focused on the here and now, that you forget about the life you want in 10, 20 or 30 years. That’s why half of Brits don’t think they’ll have enough in retirement2! We’ll help you make sure you’re saving the right amounts and investing the right way, so you can retire when you want.
What our customers say
How do you stack up?
Find out your money age
This quick quiz shows you how you’re really doing with your money. Older than your years? A financial toddler? Only one way to find out.
Frequently Asked Questions
Can I try the service before signing up?
Of course! It’s really important that you feel completely comfortable and understand all the ways we can help you with your finances.
We give everyone one free session – no strings attached – to make sure you understand how we work, see if we’re a good fit for you and hear some initial suggestions we’ll have for you.
What sets Octopus Money apart?
- We believe everyone deserves access to 1-to-1 money advice, so we don’t mind how much or how little you have to invest. We’re proud that our financial planning is a fraction of the cost of traditional financial advice.
- We’re proud to put a friendlier face on financial planning. No judgments, no jargon, no salespeople. Great service is at the heart of everything Octopus does. Our coaches and advisers always put you (and your dreams) first. Financial planning is more than numbers. It’s about feeling more confident, more in control and more excited about your future.
- You may know us from our sister companies, but did you know that Octopus was actually founded in 2000 as an investment company? Today Octopus Group is trusted by investors all over the UK to manage over £13 billion.*
- We’ve built our own range of investment portfolios that are globally diversified and have delivered returns that often beat competitive benchmarks (based on data from Asset Risk Consultants). That makes it even easier to go from plan to action.
Who can you help?
We’re here for anyone who wants to get a better grip on their finances, grow their money and get on track for their future goals. No matter what life stage you’re at or how much you have to invest.
We tend to work with people who find themselves too busy to optimise their finances on their own. Or they want to get a second opinion from an expert on how to make the most of their money and avoid costly mistakes.
Customers often come to us when…
- They’re saving to buy a property.
- Their family is growing and they’re thinking about their kids’ futures.
- They’re ready to stop putting off retirement planning and want to make sure they’re on track.
- They’ve got several big goals in mind and want to build the right strategy to save for all of them in the best way.
What will happen during the Starter Session?
Your first session will last around 30 minutes. The primary purpose is for us to learn more about you and for you to learn more about us, so you can decide if you want to sign up.
After you book a time that works for you, you’ll need to answer a few questions so we can get to know you and your situation a bit better. It’s a great opportunity to dig out old records and get all your finances in one place.
When you join the session, we’ll discuss your current circumstances and any money goals you have in mind. If you don’t have any goals, that’s okay – we can help you come up with some that are important to you.
Then, we’ll suggest which areas of your finances might need attention, and highlight the opportunities and challenges in front of you. These will be general tips and tricks, as we’ll only be sharing our initial thoughts.
Finally, we’ll explain our financial planning service, where we can build you a custom financial plan and help you sort your pensions, investments and more. Then, you can decide whether it’s right for you.
How will my session be held?
All of our sessions are held via video chat. A link to the meeting will be included in the calendar invitation which is sent to you after confirming your booking above.
Do I have to be a UK resident to use Octopus Money?
Yes, for the time being, you must be a resident and taxpayer of the UK to use our services. That’s because our technology and recommendations are all customised for the UK – including UK tax rules, legislation that applies to UK pensions and other guidance particular to the UK money system.
Unfortunately, we also cannot help US citizens or dual-citizens.How will my session be held?
Are you FCA-regulated?
Yes, Octopus Money is regulated by the Financial Conduct Authority to provide financial advice (our register number is 763630). The Octopus Money Platform is also protected by the Financial Services Compensation Scheme.
That said, some of the services we provide are not regulated by the FCA. This includes financial coaching, which is not a regulated activity in the UK. Our coaches offer expert guidance to help you make informed decisions, but they cannot recommend specific regulated financial products or providers such as investments, insurance, pensions and mortgages. They learn about your situation and goals, build your financial plan and help you decide the best decisions to make.
To receive regulated investment advice, you’ll use our digital adviser which will take information from your financial plan and intelligently recommend specific investment actions, tailored to your situation and goals. Alternatively, if you have more complex circumstances, you can meet with a regulated financial adviser from our team.
Are the conversations confidential?
Yes! The privacy and security of our customers’ data is our top priority, and we would never share any personal information about you with any third party without your permission.
What's your investment performance like?
We’ve built a custom range of globally diversified portfolios exclusively for our customers. And we’re proud to say they often beat competitive benchmarks (based on data from Asset Risk Consultants). You can learn more about our portfolios and their performance here.
But remember, as with all investments, past performance is no guarantee of future results. This essentially means, just because an investment has done well in the past doesn’t mean it will continue to do well in the future. Yes! The privacy and security of our customers’ data is our top priority, and we would never share any personal information about you with any third party without your permission.
1 The statement “7x more affordable” comes from comparing an average initial fee of £2,000 charged by traditional financial advisers to our own upfront planning fee of £299. The average upfront financial fee is sourced from Unbiased, Feb 2024 and the average total ongoing fee is sourced from Which?, Jan 2024.
2The statement “half of Brits don’t think they’ll have enough in retirement” is sourced from findings from PensionBee, May 2024.