SJP vs Fledge Budget

The SJP app, a simple, safe, and convenient way to keep track of your investments. As a client of SJP you can benefit from easy access to the following great features: - Simple sign-up process - Biometric sign in - Get current values on your investments including encashment values - See deposits and withdrawals - Track how your pension, ISAs, bonds and more are performing - See more detail with fund breakdowns - Get invaluable information from our experts in the insights section - Read the latest correspondence from us in your personal document library By installing this app, you are agreeing to SJP’s Privacy and Cookies Policy. For more information about how SJP processes your personal data please see SJP’s Privacy and Cookies Policy at https://www.sjp.co.uk/privacy-policy. About St. James’s Place. SJP offers clear financial advice and knowledge to create confidence. We’re here to help you and your money go further ¬– and do better. With us to guide you, you can create a future, and a world, that you believe in. (Please see our website for full terms and conditions. T&Cs apply.) St. James’s Place Wealth Management plc is authorised and regulated by the Financial Conduct Authority. Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, GL7 1FP. Registered in England No. 04113955

Fledge answers one question: what can I actually spend? Money comes in. The things you must pay come out. You set an amount aside for the things you budget for — the weekly shop, the petrol — and what remains is left over. Then you come back at the end of the week, put in what you really spent, and see where it differed. That loop is the whole app. Plan it, live it, check it. BUILT AROUND THE WEEK Most budgeting apps assume a monthly salary and a mortgage. Fledge starts on weeks, because a week is a size you can hold in your head — and because plenty of people are paid weekly. Switch to months whenever you like. While you are in a week, Fledge still shows how the whole month is heading, so a monthly bill never arrives as a surprise. SAY HOW SURE YOU ARE Not everything is a bill. Mark things as Must pay, Budget for, or Nice to have, and Fledge works down the list in that order, showing exactly how far your money stretches — and telling you plainly when something will not fit. WHAT YOU REALLY SPENT Budget £50 for the shop, spend £62, and Fledge shows both. Under budget is celebrated as clearly as over. Week after week, the plan starts matching your life. SAVINGS POTS Keep money aside for a holiday, an emergency, a new car — each with its own target. When a week leaves something over, Fledge offers to move it somewhere it will not quietly get spent. PAY ONCE One payment. No subscription, no adverts, no upsells, and nothing is sold or shared. Your figures are yours.