Frequently asked questions

Ask Fin is a UK personal finance guidance platform with 14 simple money tools covering budgeting, savings, spending, debt, benefits, tax relief and income ideas. It is operated by Lendbulb Limited, FCA authorised (ref 1001324). Ask Fin provides general financial guidance — it is not regulated financial advice.

Ask Fin is designed for everyday UK households — people who want a clearer view of their money without jargon or pressure. It is particularly useful for renters, families, self-employed workers and anyone managing debt, trying to save more, or looking for ways to earn a little extra.

No. Ask Fin provides general financial information and educational guidance only. It does not constitute regulated financial, debt, tax, benefits or investment advice. For advice tailored to your personal circumstances, please consult a qualified, FCA-authorised professional. Lendbulb Limited is FCA authorised (ref 1001324) as a credit broker, not as a financial adviser.

Ask Fin is a product of Lendbulb Limited, a company registered in England (No. 12805018) and authorised and regulated by the Financial Conduct Authority (FCA ref 1001324). Lendbulb Limited is registered with the ICO (No. ZB539645). Registered address: Office 08, The Foundry, 10 Dolphin Centre, Poole, Dorset, BH15 1SR.

£4.99 per month. All 14 tools are included. There are no hidden charges, no setup fee, no minimum term and no tiers.

Everything. All 14 money tools: My Monthly Budget, Financial Leak Detector, Smart Savings Builder, High Impact Debt Reduction, Plan Every Pound (zero-based budgeting), Income Expansion, Money Mindset Rewire, Local Spending Check, UK Benefits Checker, Tax Relief, Money Finder, Cashback Finder, Voucher and Discount Engine, and Sell Your Stuff Scanner. Plus the Ask Fin AI companion.

Payment is handled securely through Stripe. You see the payment screen at step 3 of the sign-up process, after creating your account. Nothing is charged until you review and confirm on that screen.

There is no free trial, but you can try the Ask Fin companion on the Meet Fin page (no account needed) and use the free tools at /free-tools before signing up. Several of the free tools — including a budget calculator, debt repayment calculator and savings goal calculator — are available without an account.

Promotional codes are sometimes available through affiliate or partner channels. If you have a code, you can apply it on the payment screen during sign-up.

Yes. Cancel at any time from Settings inside your account. Your access continues until the end of the billing period you have already paid for. You will not be charged again after cancelling.

Go to Settings in your Ask Fin account and follow the cancellation steps. The process takes under a minute. If you have any difficulty, email help@askfin.co.uk and we will cancel it for you.

Most Ask Fin tool data is stored in your browser only and is not held on our servers. If you delete your account, any server-side data we hold (such as your email address and subscription history) is removed in line with our privacy policy. See the Data Rights page for full details.

Please see our Subscription and Cancellation Policy for details on refunds. If you have a specific concern, contact help@askfin.co.uk.

Start with My Monthly Budget to get a clear picture of your income and outgoings. Or run the Money Finder scan if you want a quick check for possible savings, benefits and income opportunities. Both take under ten minutes.

No. Start with the tool that feels most useful and explore from there. Some users focus on one or two tools. Others work through the full set. All fourteen are included in your subscription either way.

The Benefits Checker is an educational tool that helps you explore which benefit areas you may be eligible for based on your circumstances. It does not calculate exact entitlements or make applications. Always confirm eligibility with the relevant official body or a benefits adviser.

No. The High Impact Debt Reduction tool shows you educational comparisons of debt repayment approaches (such as snowball and avalanche methods). It does not provide regulated debt advice. For serious debt issues — including missed payments, court action or payday loans — please contact a free qualified service such as StepChange, National Debtline or Citizens Advice.

The Ask Fin companion uses Anthropic Claude to give general guidance on money topics based on what you share. It does not have access to your bank account and does not provide regulated financial advice. Responses are for general educational purposes only.

Most tool data — such as your budget figures — is stored in your browser only and is never sent to our servers. AI companion messages are processed via Anthropic. We do not sell your data. Full details are in our Privacy Policy.

Not currently. Ask Fin does not require open banking or direct bank access. You enter figures manually, which means your banking credentials are never shared with us.

We use essential cookies to keep the site working and, with your consent, analytics cookies (Google Analytics) to understand how the site is used. We do not use advertising cookies. See the Cookie Policy for full details.

Email help@askfin.co.uk — we aim to reply within one business day.

See the Complaints page for our complaints process. If you are unhappy with how your complaint is handled, you may be able to refer it to the Financial Ombudsman Service.

If you are struggling with debt, please contact a free qualified service. StepChange (stepchange.org), National Debtline (nationaldebtline.org) and Citizens Advice (citizensadvice.org.uk) all offer free, confidential debt advice. MoneyHelper (moneyhelper.org.uk) is also a helpful starting point.