Trust the answers with Warren -
the UK's expert AI financial planner

Warren is built for UK households with several moving parts: pensions, ISAs, investments, cash, property, a mortgage or different sources of income. It is especially useful when you have built meaningful assets but still need to understand when work could become optional, what you could spend and how different choices affect the outcome.

Your first conversation is a chance to explore your situation and goals, and get a high level assessment of your options. The full plan brings together your situation, priorities, projections, actions and modelled scenarios. You can then inspect the assumptions, update information and ask follow-up questions in plain English.

No. It is a private voice conversation with Warren, not a salesperson. Warren asks about your household, goals and approximate financial position so it can structure your plan. Exact figures help, but you do not need every statement in front of you to begin.

Yes. Warren can bring pensions, SIPPs, ISAs, investments, cash, property, mortgages and income into one financial model. That lets you see how the parts interact instead of checking each account or pension in isolation.

Yes. Your plan can include both partners, including different pensions, State Pensions, incomes, assets, spending needs and timelines. You can share the same plan and each speak to Warren from your own login.

Yes. You can explore changes such as stopping work earlier or later, spending more or less, changing contributions, paying off a mortgage or using assets in a different order. Warren models scenarios to help you understand trade-offs; it does not recommend a product or tell you which regulated action to take.

A calculator usually answers one question from a small set of inputs. Warren builds a persistent plan around your wider household context, connects several assets and income sources, lets you change assumptions and keeps the model available for future questions and updates.

Start with approximate values for your income, spending, pensions, savings, investments, property, debts and goals. You choose how much to share, and you can improve the figures later. More accurate inputs produce more relevant scenarios, but Warren never requires you to connect any bank accounts.

No. Warren does not require any account connections. You decide what to share in conversations with Warren.

Your data is stored securely using industry-standard encryption and safety practices. We keep your information private and do not share it with third parties.

Projections are estimates based on your inputs and assumptions. They are not predictions or guarantees and may change as your circumstances evolve.

Yes. You can update your details or assumptions at any time. Warren refreshes your projections based on the new information you provide.

No. Warren asks questions in plain English and helps work out what is relevant as you go. You can ask it to explain a concept, result or assumption at any point. It is also useful for financially experienced people who want to spend less time maintaining spreadsheets and connecting information manually.

Initial consultation is free. Warren will get to know you, help you assess your current situation, key areas to focus on and what a financial plan might look like. From there, you can build a full financial plan, a future-looking financial model, and get access to Warren for a year on a Pro subscription.

Because context matters. Warren draws from over 7,700 UK financial regulation facts sourced directly from gov.uk. It’s well-documented that generic AI tools can miss or misrepresent UK-specific rules. We'd rather build something excellent for one market than something average for everyone.

No. Conversation is how you give Warren context and question the result. Behind it sits a persistent financial plan, deterministic financial model, scenario tools, profile memory, progress tracking and relevant monitoring. Warren prompts you for missing context rather than relying on you to construct the perfect prompt.

An LLM's output is only as good as the prompt it's given. Warren actively prompts you. It retains your full financial context, draws from a curated UK knowledge base, and builds a persistent overview - so every conversation is informed by your actual situation, not just your latest question.

A well-built spreadsheet can be powerful and transparent. Warren reduces the manual work around it: asking for context you may have missed, grounding explanations in UK sources, changing scenarios conversationally, sharing the plan with a partner and keeping the context available over time. You can use Warren alongside an existing spreadsheet rather than replacing it immediately.

No. Warren provides information, modelling and scenarios to help you explore financial decisions. It does not assess suitability, recommend financial products or tell you to complete a regulated transaction.

No. Warren helps you organise your position, model possibilities and prepare better questions. A regulated adviser can assess suitability and make a personal recommendation when you need one. Warren can be useful before, between or alongside adviser conversations.

You can request deletion of your data at any time. It will be removed securely from our systems.