Zero
bank logins
required

Get on track and stay happy

Hoard is the UK pension and budget tracker that gives you a reason to come back every month.

Download

Free on iPhone. No account, nothing leaves your phone.

Three things, then you're set

No bank login, no forms. Tell Hoard your salary and pension percentage and everything else follows.

Boost your pension, pay less tax

Every pound you put in dodges the taxman on the way. Hoard finds the rate that keeps your Child Benefit, escapes the 60% trap, or keeps you out of the higher rate, then tells you what to say to payroll.

How the boost works

Watch it grow

Your pension pot as a hoard of gold that stacks a little higher every month. Scrub forward in time and see what it becomes by the day you stop.

Is your tax code right?

Hoard checks it against your salary automatically, and shows what an error is costing you a year.

Know what's really left each month

Your take-home comes from your real payslip or the tax engine, your pension is already counted, and the number at the bottom is what the month genuinely leaves you.

Guides for the moments that matter

Rent or buy, which ISA, how to withdraw your pension, money HMRC owes you. Honest answers, with the free official route always signposted.

No account. No server.

Hoard never asks for your bank password, because it never needs one. Every figure is worked out on your phone and stays there.

Made for everyone who never looks

Twenty-two million of us were auto-enrolled into a workplace pension and quietly got on with life. Most people can't name their pot value, and the statement that arrives once a year goes straight into a drawer. That isn't laziness. Nothing about the process was ever designed to be looked at. Hoard is the opposite.

Two numbers to startSalary and pension percentage. No bank login, no forms.

A reason to come backThe hoard grows every month, and Hoard tells you when there's something new to see.

Verdicts, not dashboardsEvery tool answers the question first, then explains.

Honest about the free routeWhen HMRC or MoneyHelper is the better answer, Hoard says so.

Built the way it should be

Private by design

No account, no server, no bank login. Your figures live on your device and in your own iCloud backup, nowhere else.

Free to start

The budget, a full retirement check, the tax code check and every guide are free. Pro is £1.99 a month, £19.99 a year, or £34.99 once.

Written for the UK

UK tax bands, the Child Benefit cliff, the 60% trap, the 2028 pension age change, and Scottish rates where they apply.

Questions

Does Hoard need my bank login?

No, and it never will. Hoard has no account and no server. Everything is worked out on your device from two numbers you already know: your salary and your pension percentage.

Is Hoard free?

Yes. The budget, a full retirement check, the tax code check and every guide are free. Hoard Pro (£1.99 a month, £19.99 a year, or £34.99 once) unlocks the living version: a track that updates monthly, the growing hoard, drawdown odds, and unlimited payslip and statement scanning.

What does the pension boost actually do?

It finds the contribution rate that fits your goal, whether that's keeping your Child Benefit, escaping the 60% tax trap, staying out of the higher rate, or simply putting in as much as you can afford. Then it gives you the exact words for payroll, and the two questions worth asking while you're there.

How does the tax code check work?

Hoard checks your code against your salary and tells you whether it looks right, is worth a look, or looks wrong, with an estimate of what an error is costing you a year. Errors are common, and correcting them with HMRC is free and routine.

Can Hoard find my old pensions?

It points you at the government's free Pension Tracing Service, then reads the statements you scan so your hoard runs on real figures. Before showing you any provider, it lays out the honest case for and against combining, including the guarantees you could lose.

Is this financial advice?

No. Hoard gives you information and guidance so you can make your own decisions, and always signposts the free official route (MoneyHelper, HMRC, gov.uk) where that's the better answer.

Two numbers. Then you're set.

Free on iPhone. No bank login, ever.

Download