Meet Warren 3.0

Key Features

• •Voice-Supported AI Planning: Start with a natural voice conversation; Warren asks questions and guides you to create a holistic financial plan. No need to connect bank accounts, and the entire setup takes about 10 minutes.
• •Deterministic Cashflow Engine: At the core is a deterministic financial engine that runs the numbers behind the scenes, providing accurate projections based on your inputs and UK-specific rules for tax, pensions, ISAs, and more.
• •UK Knowledge Base: Warren draws from over 7,700 UK financial regulation facts sourced directly from gov.uk, ensuring that every projection and scenario is grounded in actual rules rather than generic assumptions.
• •Background Monitoring: Warren continuously checks your plan context and surfaces useful changes when they matter, such as new salary sacrifice rules or dividend tax changes, with daily monitoring including 24 background runs in the last 30 days.
• •Visual Financial Model: Explore your full financial model with charts for net worth, accessible wealth, pension pot, and more. Track milestones and compare 'With Warren' vs 'Do Nothing' scenarios to see the impact of following the plan.
• •Monthly Priorities & Tips: Get a prioritized action plan each month, such as confirming pension allowance, getting a mortgage redemption statement, or adjusting contributions, tailored to your specific goals and timeline.
• •File Upload Support: Upload documents like pension statements, ISA portfolio summaries, or mortgage redemption statements to make your plan sharper and more grounded in real numbers.

Use Cases

• •Home Purchase Planning: Use Warren to determine when you can afford a dream home, plan a deposit, and see how a house purchase impacts your long-term net worth. For example, Maya's plan shows a 175,000 pound net worth increase by 2031 while buying a 350,000-400,000 pound home.
• •Retirement Readiness: Ask Warren if you are saving enough for retirement, explore scenarios like retiring at 55, and get a projected timeline with concrete next steps. David and Rachel's plan models retiring at 60 with a 55,000 pound annual income, showing a 180,000 pound advantage over doing nothing.
• •Life Change Scenarios: Model events like going part-time after having a baby, taking a career break, or going freelance to see how they affect your finances and adjust your plan accordingly with updated projections and tips.
• •Debt and Savings Optimization: Get guidance on paying off student loans, building a 6-month emergency fund, or deciding whether to overpay mortgage or invest, with clear comparisons and monthly priorities to stay on track.
• •Family Financial Planning: Plan for the whole household, including partner and dependents, with shared access and a combined financial model. Model goals like starting a family or funding children's education with integrated timelines.
• •Inheritance and Windfall Planning: Model the impact of an inheritance or gift, and plan how to best allocate it towards goals like early retirement, property purchase, or building a safety net, with scenario comparisons.

Who is this for?

Meet Warren is designed for UK residents who want clarity on their financial future without the complexity. It serves individuals from early-career professionals just starting to plan, to late-career savers nearing retirement. Specific roles include first-time home buyers, parents planning for children's education, freelancers managing variable income, and anyone feeling overwhelmed by budgeting apps or spreadsheets. Warren is also ideal for those who want to build financial literacy and confidence, without needing expert knowledge. It is built for the UK market, so users benefit from accurate tax, pension, and benefit rules. The platform is accessible via web and iOS app, with a free Basic plan and a Pro plan for more advanced needs.