Tilly — UK Money Coach

Tilly is an AI money coach for the UK. Ask her anything — "can I afford this?", "why did I overspend?", "where can I cut £50?" — and she answers from your real budget, bills and days to payday, in plain English. Budgets reset on your payday, not the 1st. Couples mode syncs two phones via Apple's encrypted iCloud, with no bank logins. Built solo. Free to try; Pro from £2.99/mo.