PLANNING
Get Financial Planning Advise from Real Human
Apps is just a tool. Who helps you decide what's next?
Tracking and budgeting tell you what happened. The decisions that shape your life like retirement, property, protecting your family need a plan and sometimes a person. Plouta gives you both: powerful planning tools, and real, regulated human advisers when you're ready.
Set goals you can actually reach
'Save more' isn't a plan. It's a wish with no deadline.
Plouta turns vague intentions into concrete goals with a number, a date and a path. Emergency fund, deposit, wedding, sabbatical, retirement set the target, and Plouta connects it to your real income and spending so you always know if you're on track, and what to change if you're not.
Concrete, not vague: Every goal gets a target, a timeline and a monthly amount that makes it real.
Connected to your money: Goals draw on your actual numbers, so progress reflects reality.
Plans that flex: Life changes? Adjust the goal and instantly see the new path.
Real human advisers, built in
Every other finance app stops where your real questions begin.
Should you overpay the mortgage or invest? Is your family protected if something happens to you? How do you pass on what you've built without losing a fortune to tax? No chart answers these. No AI should. These are human questions and Plouta is the only financial wellness app with qualified, regulated human advisers built into the product.
Our partner advisers cover financial planning, pensions and retirement, investments, protection and insurance, inheritance tax, and wills and estate planning. Each one is vetted, qualified and regulated and your first conversation is always free, with zero obligation.
What Plouta advisers are NOT (comparison framing)
Not a chatbot: a qualified person who listens to your situation.
Not a comparison site: we don't sell your details as 'leads' to whoever pays most.
Not commission chasing: advisers explain any fees clearly, upfront, before you proceed.
Advice at every stage of life
Book a free first conversation when you're ready. No pressure many users never need to and that's fine.
We are building a global network of vetted, locally regulated advisers so Plouta users everywhere get the same human support. Wherever you are, every planning tool on this page works for you today.
Early career: For those who are getting started with first budget, first emergency fund, building the savings habit.
Building a life: Buying a home, combining finances with a partner, starting a family, protecting your income.
Growing wealth: Investing seriously, pensions, tax efficiency, school and university costs.
Protecting your legacy: Retirement planning, inheritance tax, wills and estate planning passing it on well.
Make a financial plan.
And know there's a human behind it if you need one.
🛡️Bank-level security. Your data is encrypted and never shared.
Advice is only trustworthy when incentives are clean. Plouta doesn't sell ads, doesn't sell leads and doesn't sell your data, we charge a subscription so our only incentive is your financial wellbeing. The same principle applies to our advisers: regulated, transparent about fees and chosen for expertise rather than commission.
Everything you need to know
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Your first conversation is free with no obligation. Any adviser fees afterwards are explained clearly before you proceed.
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Yes. Every adviser is FCA- or SRA-regulated and goes through Plouta's verification process.
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No. We don't sell your details to advisers. You choose if and when to speak to someone.
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Never. Many users only use the planning tools advisers are there when you want them.