# EveryPound: AI Money Coach > AI financial coach for UK households, offering personalized advice without bank login. (iPhone/iPad app by BOA ESPERANCA GROUP LTD.) - Source: https://appshunter.io/ios/app/everypound-ai-money-coach/id6762308064 (this page in markdown: same URL + `.md`) - Developer: [BOA ESPERANCA GROUP LTD](https://appshunter.io/developer/1893751070) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.1 · 48 MB - Languages: English - Released: 2026-05-02 - Data updated: 2026-10-25 - Monetization: free with in-app purchases ## What is EveryPound? Meet Addy, the AI money coach who actually knows your numbers. Most finance apps want your bank login and then bury you in transactions. EveryPound is different. You tell it what your household owns and owes (no bank connection, ever), and Addy turns your real figures into one clear next move. WHY EVERYPOUND Addy, your AI coach. Ask her anything: "should I overpay the mortgage or up my pension?", "how do I use my ISA allowance?". She reads YOUR numbers and answers with a specific, UK-aware next step. Three tone modes, including Savage. No bank login. Ever. Nothing for anyone to steal, nothing syncing in the background. It also tracks the wealth banks can't see: pensions, property, crypto. Built for UK money. Income tax bands, the £100k 60% trap, salary sacrifice, marriage allowance and every student loan plan, done correctly. Couples by default. Link your partner with a one-tap code, free. One shared household, one shared picture. See if you're actually getting richer. A 60-second monthly Board Meeting snapshots your net worth, builds your streak, and powers honest 10-to-40-year projections. FREE IS PROPERLY FREE Net worth tracking, the monthly Board Meeting, full UK tax analysis and inviting your partner are all free, no card required. Upgrade to Plus or Pro only when you want more from Addy or the deeper tools (debt simulator, salary-sacrifice modelling, longer projections). YOUR DATA, YOUR CONTROL EU-hosted, encrypted, locked to your household. We never sell your data. Billing is handled by Apple so your card never touches us. Lock the app with Face ID and delete everything in one tap. EveryPound is a coach, not a regulated financial adviser. Always do your own research before making investment decisions. ## Key features - AI financial coaching - No bank login required - UK-specific financial planning - Household and couples finance - Net worth tracking - Long-term financial projections ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | EveryPound Pro (Monthly) | $12.99 | per month | | EveryPound Pro (Annually) | $109.99 | per year | | EveryPound Plus (Monthly) | $6.99 | per month | | EveryPound Plus (Annually) | $59.99 | per year | ## Is EveryPound safe? Not enough ratings yet to assess EveryPound. ## Is EveryPound legit? EveryPound: AI Money Coach has limited verification signals. The AppsHunter Legitimacy Score for EveryPound is 48 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about EveryPound ### How does EveryPound ensure my financial data is secure? EveryPound prioritizes security by never requiring a bank login, thus eliminating risks associated with data breaches or syncing issues. Your data is EU-hosted, encrypted, and locked to your household. Billing is handled by Apple, ensuring your card details never touch the app directly. ### What kind of financial advice can Addy, the AI coach, provide? Addy can answer a wide range of financial questions specific to your numbers and UK regulations. You can ask about mortgage overpayments versus pension contributions, utilizing ISA allowances, and understanding complex UK tax scenarios like the £100k 60% trap or marriage allowance. ### Is EveryPound suitable for couples or joint finances? Yes, EveryPound is built for couples by default. You can link your partner with a one-tap code, creating one shared household view for unified financial tracking and planning. This feature is available for free. ### What are the costs associated with EveryPound? The core features of EveryPound, including net worth tracking, monthly Board Meetings, UK tax analysis, and inviting a partner, are completely free. Paid upgrades to Plus or Pro are available for advanced tools like debt simulators, salary sacrifice modeling, and longer projections. ### What subscription tiers are available for EveryPound? EveryPound offers 'Plus' and 'Pro' subscription tiers, available on both monthly and annual plans. Monthly plans are $6.99 for Plus and $12.99 for Pro. Annual plans are $59.99 for Plus and $109.99 for Pro. ### How often is EveryPound updated? The app was last updated on June 9, 2026, with version 1.4.0. This indicates a relatively active development cycle, suggesting ongoing improvements and feature additions. ### What devices does EveryPound support? EveryPound is available on iPhone, iPad, and iPod devices, making it accessible to a wide range of Apple users. ### Does EveryPound have ads? No, EveryPound does not contain advertisements. The app is free to use with optional in-app purchases for premium features. ## Version history (last 4 releases) ### 1.4.0 — 2026-06-09 Meet Addy on her own tab, with a proactive monthly briefing on the Home screen: your net-worth change and the one move to make next. Build a Board Meeting streak, and share your progress. See a 10-year projection the moment you add an account. Learn the full 8-step EveryPound Plan, explained in-app. Inviting your partner is now free. ### 1.2.1 — 2026-05-05 Version 1.2.1 - Pensions deserved better. Here you go. PENSION MODEL UPGRADE Workplace pensions, SIPPs and personal pensions now capture both YOUR contribution and your EMPLOYER'S match, with a salary-sacrifice toggle. Salary-sacrifice contributions stay out of your Budget tab (they're deducted before tax, so they never came from your take-home), but both sides count in your Net Worth projections - the way they actually affect your wealth. The Manage Household screen now lists every member's pensions inline. TAX ANALYSIS GETS PERSONAL Tax Analysis now reads your actual pension data: - "You're saving via salary sacrifice" - exact tax + NI you keep each year - Annual pension allowance usage (£60k cap) with carry-forward warnings if you're nearing it - Higher-rate tax-relief opportunities for SIPP contributions NET WORTH FORECASTING, INLINE Net Worth screen now has a what-if widget right under the chart. Default view is your current 10-year trajectory. With Plus, drag the extra-savings slider, pick any horizon (1y/5y/20y), and watch the projection update live. Tap "Open full Calculator" for the deep-dive view with per-asset rates and inflation tuning. EMAIL CONFIRMATION, NO MORE WALLS Signing up with a password now drops you straight into the app. A banner reminds you to confirm your email - tap the link from your inbox whenever you want, the app already works. No more hitting a "check your inbox" dead-end if the deep link misbehaves. EDIT TAKE-HOME ON THE FLY Tap any member's take-home pay on the Manage Household screen to update it inline. PULL-TO-REFRESH EVERYWHERE Home, Balances, Net Worth and Budget tabs all support pull-down to refresh. ADDY STAYS PUNCHY Ask Addy now caps your input at 120 characters - it keeps prompts tight and gets you better, faster answers. POLISH - Wizard for adding pensions now captures employer contributions and the salary-sacrifice flag (was missing in 1.2.0) - Manage Household refreshes properly when you return from adding accounts - Em dashes replaced with single hyphens across all UI copy - Plus a handful of small fixes WHAT'S BEHIND PLUS / PRO Plus (£4.99/mo): 20-year projections, projection tuning, tax-spend breakdown, historical backfill, 30 Addy messages/day Pro (£9.99/mo): 40-year projections, debt simulator, pension take-home modelling, CSV export, savage Addy mode, unlimited Addy Pairing your partner is free. Both of you unlock the entitled tier from one subscription. ### 1.2.0 — 2026-05-02 Version 1.2.0 — Built for couples, sharper for everyone. PARTNER PAIRING (NEW) Link with your partner using a one-tap 6-digit code. Both of you see the same accounts, same Board Meetings, same advice from Addy. If your partner already had their own data, we merge it cleanly into one combined household. PER-PARTNER NET WORTH Filter your charts and balances by Combined, You, or Partner — see exactly who's contributing what to the household's growth. SHARED PRO & PLUS If either partner subscribes to Pro or Plus, both of you unlock the entitled features. One subscription, one household. FORGOT PASSWORD Reset your password from the sign-in screen if you ever forget it. SMARTER NUDGES - Captured your first accounts? We'll prompt you to lock in your first Board Meeting. - Missed your monthly meeting day? A friendly reminder until you do. FRESHER ONBOARDING A warmer welcome flow that gets you to your first net worth number faster. FACE ID GRACE WINDOW The biometric lock no longer prompts every time you tab back in — there's a 5-minute grace window so quick task-switches don't get in your way. Plus a handful of small fixes and polish across the app. ### 1.1.0 — 2026-04-29 No release notes. ## Apps similar to EveryPound | App | Rating | Price | Category | | --- | --- | --- | --- | | [Endute - Personal Finance](https://appshunter.io/ios/app/endute-personal-finance/id6762611699) | — | Free | Finance | | [EIS Traaker: Track Tax Relief](https://appshunter.io/ios/app/eis-traaker-track-tax-relief/id6759650740) | — | Free | Finance | | [UK Take Home Salary Calculator](https://appshunter.io/ios/app/uk-take-home-salary-calculator/id6767609333) | — | Free | Finance | | [Earner: Shift Paycheck Tracker](https://appshunter.io/ios/app/earner-shift-paycheck-tracker/id6751642634) | — | Free | Finance | | [UK Budget Planner](https://appshunter.io/ios/app/uk-budget-planner/id6792464283) | — | Free | Finance | | [takehome: UK Take-Home Salary](https://appshunter.io/ios/app/takehome-uk-take-home-salary/id6624293524) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-25.*