It doesn't know about the bills coming out next week, the savings you should move, or what you've already spent. TIC Tracker works all of that out and gives you one honest figure: what you can actually spend.
Included with Build Up · £24.99 one-off
Not your bank balance. Not a rough estimate. The real number: after every bill, every savings transfer, every pound you've already spent this period. The cash you can genuinely use.
One place for your full financial picture. It replaces the spreadsheet, the guesswork and the three different apps you've probably tried and abandoned.
Your real cash left, not just your bank balance. Log a spend in seconds with Quick Add and your number updates instantly. No complex setup, no weekly admin session.
Set limits for every category. Bills feed in automatically. See what you've spent and what's left, per category, updated in real time as you go.
Every recurring payment in one place. Due dates, amounts, what's coming up, so nothing catches you off guard mid-period. Monthly, quarterly, annual or one-off.
House deposit, emergency fund, holiday: track multiple goals with progress bars, target dates and contribution planning. Know exactly how far away you are.
Assets minus debts, tracked period by period. Watch the number move in the right direction as you pay down debt and build savings.
See where your money actually goes. The pattern tells you everything. Once you can see it clearly, you can change it.
A score built from your real data: savings rate, emergency fund, debt load, budget discipline. Know where you stand and what to work on first.
A readiness score based on your actual financial position: emergency fund, debts, savings rate. When the boxes are ticked, it tells you. No more guessing whether you're ready.
Most people try to invest before their money is actually in order. TIC Tracker gives you the clarity to know where you are in the process. It tells you honestly when you're ready to take the next step.
Track every bill, every spend. Once you can see where the money goes, you can decide where it should go instead. The tracker makes this the work of a few minutes a week, not hours.
Three to six months of essentials, tucked away before you invest a penny. The tracker shows your progress toward the target and tells you when that box is ticked.
Track balances, APR and monthly payments in one place. See what you owe and which to clear first. The tracker doesn't judge. It just shows you the numbers clearly.
The tracker calculates your savings rate each period. When you're consistently putting enough away and the other steps are done, your Path to Investing score tells you you're ready. Then you go and invest.
Build Up is the eleven-module course that takes you from financial chaos to sorted. Budgeting, net worth, emergency fund, debt, savings rate, and the TIC Tracker to keep it all running. The tracker is built into module eight, so you set it up as you go.
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