FNCO - Your AI Finance Coach | Learn. Plan. Grow.

FNCO is an AI-powered personal finance platform designed to help bridge the UK’s financial advice gap by making financial education and planning more accessible. Rather than switching between multiple apps for budgeting, financial education, calculators and AI assistance, FNCO brings everything together in one place. The goal is to give users a single platform where they can learn, plan and build financial confidence. Unlike many finance apps that focus solely on budgeting or expense tracking, FNCO combines structured learning with practical financial tools. The platform includes interactive finance courses, an AI Finance Coach, smart financial calculators (including mortgage, pension, compound interest and budgeting calculators), goal tracking, gamification, achievements and a Financial Health Score that improves as users learn and make progress. The onboarding experience creates a personalised financial roadmap based on each user’s goals and confidence level, recommending relevant courses, calculators and AI conversations to help them get started. FNCO will be available across iPhone, Android and the web, with users able to sync their progress seamlessly across devices. The long-term vision is to continually expand the educational content and planning tools while helping users become financially confident before they ever need professional financial advice. For those who eventually do require regulated advice, the aim is to work alongside financial advice firms by referring users to qualified professionals when appropriate. FNCO doesn’t replace financial advisers it helps people become more informed, confident and prepared through education, AI guidance and practical financial planning tools.