A calmer way to see your whole financial life

No products to push. No hidden commission agenda.

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Sonuswealth does not sell pensions, ISAs, mortgages or insurance. It shows information and guidance, then makes clear where regulated advice may be needed.

Join the waitlist for the preview See the April 2027 IHT brief →
£9 a month First month free UK tax 2026/27 Pensions · property · ISAs · tax · estate Plain English No products. No commissions. Built UK-first £9 a month First month free UK tax 2026/27 Pensions · property · ISAs · tax · estate Plain English No products. No commissions. Built UK-first
- Meet Sonuswealth

One place for the whole picture.

See the 7 surfaces

Sonuswealth is a quiet, intelligent view of your UK financial life. We don't sell products. We don't take commissions. We are not a broker. Our single job: help you understand what you own, what it means, and what comes next.

Most tools show you a slice. Sonuswealth holds the whole thing - and tells you what it means in plain English, not jargon.

MyMoney
Every account. Every asset. Every plan.
Property, pensions, ISAs, cash, life cover, crypto - pulled live into one balance sheet. The whole picture, kept fresh.
Cashflow & Life
Decades, not months.
Project income, outgoings, mortgages and milestones across decades. See the soft spots before you get there.
Tax & Estate
UK-native. Not a US tool dressed up.
Built around UK tax bands, pensions, inheritance-tax thresholds, and estate rules. Every answer respects the FCA boundary.
— Meet Sonu

Six lives.
One picture.

Sonu lives six lives — from first job to passing things on. Same owl, different things to figure out. The journey below walks each stage in detail; the film is the family together, in fifteen seconds.

The six Sonu owls — starting out, building, established, optimising, protecting, and passing on — standing together in a candlelit hall.
01 Starting out 02 Building 03 Established 04 Optimising 05 Protecting 06 Passing on
— Meet Sonu

One owl. Six stages of your financial life.

Sonu is the companion layer inside Sonuswealth — a simple way to show the same financial picture changing as life gets more complex. First job, family, peak complexity, retirement, legacy. Scroll to see what's on the table at each stage.

1Stage 01 · Starting outAges 22–30

First salary. First pension. First flat.

Most of this stage is about not losing. Workplace pension, old pots, LISA before 5 April. Sonuswealth tracks the first wins so you compound from a real base.

State pensionYear 1 ✓
LISA bonus£1k / yr
Old pots found2
  • Workplace pension enrolled at max employer match
  • Pension Tracing Service — find every old pot
  • Emergency fund: 3 months of essentials
2Stage 02 · Growing wealthAges 30–40

Children. Mortgage. Promotion. Risk shows up.

People are relying on the income now. Protection, will, Junior ISAs (JISAs). Sonuswealth flags what's missing before it becomes an emergency.

Income covered38%
Will in placeNo
Mortgage LTV62%
  • Life cover sized to mortgage + 10× kids' annual cost
  • Will + Lasting Power of Attorney drafted
  • Junior ISA — £9k/yr tax-free per child
3Stage 03 · Planning aheadAges 40–50

Halfway. Time to read the dashboard.

Mortgage shrinking. Pensions growing. Income at its peak — and so is tax leakage. The middle years are where Sonuswealth pays for itself many times over.

Net worth£420k
Tax leak / yr£8.4k
Retire by 60?Possible
  • Salary sacrifice — recover higher-rate relief
  • Use the full £20k ISA, both spouses, every year
  • "Retire at 60 vs 65" scenarios side by side
4Stage 04 · Peak complexityAges 50–60

Bonus, business, parents, kids — all at once.

Tapered allowances, parental care, possible business exit, university fees, an inherited flat. Sonuswealth holds it together so decisions are which lever to pull, not what's in scope.

Estate today£1.2M
Apr 2027 IHT£280k
Headroom3.5 yrs
  • Model April 2027 against your actual pension & estate
  • Check tapered allowance carry-forward before year-end
  • Confirm Business Property Relief on company shares
5Stage 05 · Securing tomorrowAges 60–70

Retirement. Drawdown. April 2027.

Pensions become income. Choices become irreversible. Sequence risk, sustainable withdrawal rates, charity allocations, gifts inside the 7-year window — modelled together.

Pot at 65£812k
Sustainable30+ yrs
IHT after plan£28k
  • 4-year drawdown plan ending inside April 2027 allowances
  • Charity allocation cuts IHT rate from 40% to 36% (gift 10%+ of estate)
  • Lifetime gifts — start the 7-year clock now
6Stage 06 · Leaving a legacyAges 70+

What goes to whom. Without the 40% surprise.

The final stage is about the people who'll inherit. A clear will, the right trusts, an LPA on file, family knowing where the documents are. Sonuswealth keeps the picture probate-ready, year on year.

Family inherits£1.18M
HMRC takes£12k
Docs in trustAll ✓
  • Will current; executor briefed; LPA in place
  • Life insurance written in trust
  • Deed-of-variation considered for grandchildren
- What 90 seconds buys you

21 questions.
One picture.

Click through about 21 questions in 90 seconds - sliders, tiles, multi-select. No typing required. The engine returns a live picture of your UK financial life - net worth, behaviour score, risk radar, cost of inaction today - plus the one action that moves the dial most. Updated every Budget, every week, for as long as you use it.

- Onboarding - ~90 seconds
The 21 questions, in order.
  1. 01How old are you Slider 18-100
  2. 02Married, partnered, single, or co-habiting Tile picker - partner sub-tree if relevant
  3. 03What's your annual income Slider, banded
  4. 04How much in savings + investments Slider, banded
  5. 05Do you own, rent, or live with family 4-tile
  6. 5bHow much is left on your mortgage Slider - only if you said "own with mortgage"
  7. 06Which pensions do you have Workplace - SIPP - NHS - TPS - LGPS - AFPS - Police - Fire - NPS - multi-select
  8. 07What's most on your mind Pick up to 3: retirement - inheritance tax - tax - wealth building - protection - debt
  9. A1Employed, self-employed, or company director Drives tax structure
  10. A2Any rental property Yes/no - routes to landlord sub-flow
  11. A3Cross-border Any Indian assets, NRE/NRO, NPS Routes to UK-NRI flow if yes
  12. A4Beneficiaries - any specific people you support Drives estate + protection
  13. A6Will written Where is it stored Yes/no + storage hint
  14. A7Lasting Power of Attorney in place Health + Property & Affairs
  15. JQUK tax resident Anywhere else 3-question jurisdiction set - skipped if hook handoff knew it

Plus 3-6 more depending on what you answered (NRI cross-border, partner sub-tree, prior cohabitation). Total: ~21 questions. Click-only. No bank login. No typing required.

- Your model - after 21 answers

A live picture of your UK financial life.

Pick the age closest to yours:
Net Worth £1.4M Estate: £812k SIPP + home + other
Wealth Score 72 / 100 Optimised band - 2 amber
Risk Score 7 dim radar Concentration amber - Vol high
- Cost of inaction - today
April 2027 IHT on SIPP joining joint estate.
Post-75: income tax stacks on top.
£212,800
- Top action this week
Move £580k out of the SIPP over 4 years (drawdown + PET-window gifts + 10% charity allocation). April 2027 IHT drops from £212.8k to £12.8k. Same lifestyle. Modelled in 3 paths.
Show the math - UK rules verified
NRB £325k + RNRB £175k = £500k per spouse · joint £1M — estate today (excl SIPP) £720k → IHT today £0 — from April 2027: SIPP £812k joins estate → total £1,532k — taxable £532k × 40% = £212,800 — post-75: beneficiaries also pay income tax on inherited pension (same pound, second layer)
Built from real UK tax rules (NRB, RNRB, AA, ISA, LISA, CGT, DTAA). Names are archetypes, not real users. Your real numbers come after the 21 questions. Information & guidance only - not regulated advice.
Join the waitlist How it all connects
- Worked examples

Five UK households.
Five picture changes.

What sonuswealth actually does is best seen in a household with real numbers. Five examples - the pre-retiree, the early-career professional, the NHS worker, the mid-career parent, the UK-resident with Indian assets. Names are illustrative; the engine, the rules, and the maths are real and current to May 2026.

Paul - 62 - pre-retirement - married
£812k SIPP. The April 2027 IHT deadline.
April 2027 unmitigated
£212,800
SIPP joins the joint estate above £1M allowances
→
After drawdown + gifts + charity
£12,800
94% reduction - same lifestyle

Paul and his wife have £1M of joint IHT allowances. From April 2027 the £812k SIPP joins their estate, creating a £212,800 tax bill on the slice above. And if Paul dies after 75, his children also pay income tax on the inherited pension at their marginal rates - same pound, two layers. Sonuswealth modelled three drawdown paths; the chosen one moves £580k out over four years (drawdown + 7-yr gifts + 10% charity allocation), bringing exposure to £12,800. Paul took the printout to his accountant; signed off in one meeting.

Surfaces: Tax & Estate - Cashflow - Decisions See the engine →
Hannah - 28 - early career
Four forgotten pensions. One first home.
Today
£18,400
Across 4 ex-employer pensions - 1.2% fees
→
After consolidation + LISA
+£42,200
Extra at 60 - in today's money

Hannah remembered two pensions from her employer history; Sonuswealth walked her through the Pension Tracing Service for the other two employers - one match returned a £4,200 pot from her gap-year job. We modelled LISA vs SIPP for her income and showed the 30-year picture. One Saturday morning of paperwork. £1k/yr LISA bonus unlocked toward her first home.

Surfaces: MyMoney - Cashflow - Decisions See the engine →
Niamh - 38 - NHS nurse - 50% off
"I thought I was behind." She wasn't.
Projected NHS pension at 60
£30,200 / yr
Band 7 - 36 yrs at 60 - 2015 CARE 1/54 - index-linked
=
Equivalent DC pot
≈£940k
4% SWR + 25% index-linked premium

Niamh thought she was behind because her £8,400 SIPP looked small. Sonuswealth showed her projected NHS Band 7 pension at 60 is worth roughly £940k as a DC equivalent - index-linked, guaranteed for life. She redirects SIPP contributions to her children's Junior ISAs instead. £4.50/month with NHS pricing.

Surfaces: MyMoney - Cashflow - Risk NHS pricing →
Maya - 44 - marketing director
An afternoon of admin. £18k/yr in tax.
Effective tax leak today
£18,400 / yr
Bonus into the 60% trap (PA taper £100k–£125k) - ISA underused
→
After restructure
£3,100 / yr
Salary-sacrifice + ISA + JISAs - 20 yrs

Sonuswealth flagged tapered annual allowance risk before Maya's bonus hit, ran the salary-sacrifice maths, and surfaced the unused ISA. Three signed forms, one afternoon. Compounded over 20 years: £304,000 extra at retirement, in today's money.

Surfaces: Tax & Estate - Cashflow - MyMoney See the engine →
Raj - 41 - UK + India - UK-NRI - Phase 1 USP
UK ISA + SIPP + Indian NPS + NRE/NRO. One picture, at last.
Before sonuswealth
4 tools, 2 tax codes
UK app + Indian bank portal + NPS site + a spreadsheet that's always wrong
→
After
1 picture, both tax codes
UK-India DTAA modelled - GBP/INR toggle - everything live

Raj is UK tax resident, born in Mumbai, with NRE/NRO accounts, a Bangalore flat, Indian mutual funds, and an NPS contribution. Sonuswealth's UK-NRI mode natively models the UK-India Double Taxation Avoidance Agreement, runs the UK tax engine against his global position, and surfaced £4,200 of UK tax leakage his previous setup was missing. The only UK consumer tool that handles your Indian financial life natively. Not bolted on. Not "in a later phase." Built in from day one.

Surfaces used: MyMoney - Tax & Estate - Cashflow - Decisions UK NRI deep-dive →

These are worked examples - the engine, rules, and maths are real. The names and exact figures are illustrative composites. Sonuswealth gives information and guidance only, not regulated advice.

See your numbers
- Why a tool like this

Why not just use ChatGPT,
or a spreadsheet?

Both are useful. Neither holds your whole UK financial picture, kept current, with the tax engine baked in. Sonuswealth is built for the things general-purpose tools can't reliably do — UK tax depth, public-sector pensions, UK ↔ India cross-border, and persistent memory of your case.

  Sonuswealth ChatGPT Spreadsheet
UK tax engine
Inheritance tax, capital gains, ISAs, pensions, allowances, reliefs		 Full live engine From memory - stale Manual - brittle
April 2027 pension inheritance-tax change
Modelled per household, including the seven-year gifting window		 Modelled - live Knows of it Manual
NHS - Forces - Teacher - Civil Service - Police DB pensions
Accrual rates + revaluation + DC equivalents		 Native presets Knows of them Manual
UK ↔ India cross-border (NRI)
DTAA - NRE/NRO - Indian MFs - NPS - Bangalore property		 Phase 1 USP - native General knowledge No
Cashflow + scenarios
Project 30 yrs - drawdown - what-if		 Live - 7-surface No Manual
Persistent memory of your case
Decisions journal - Ask remembers you - weekly nudges		 Yes - all 7 surfaces Forgets the session No
Plain English Ask - with FCA boundary
Information & guidance only - clearly flagged		 Yes - clearly bounded No boundary set N/A
UK price - monthly
Indicative - verify before subscribing		 £9 - £4.50 NHS ~$20 £0 + your weekends
Free tier for early users
No card - no trial games		 First 50 free 12 months Free tier - limited Always free

Sonuswealth gives information & guidance only - not regulated advice. For regulated advice on £500k+ households, we route you to a vetted UK IFA.

- The Sonuswealth Difference

How we differ from other finance apps.

Most personal finance platforms track yesterday's coffee spending, or try to sell you their own high-fee managed investment funds. Sonuswealth is built differently.

01 · Strategy vs Budgeting
We look forward, not backward.
We don't track coffee spending or yesterday's grocery receipts. Instead, Sonuswealth models your net worth, tax leakages, and cashflow across the next 30+ years.
02 · Flat Fee vs Asset Charges
No product sales, no commission bias.
We don't sell pensions, ISAs, or insurance, and we charge no AUM (assets under management) percentages. You pay a flat fee; 100% of tax savings stay in your pocket.
03 · UK Native vs US Imports
UK-first rules, not generic calculators.
US imports ignore UK rules. Sonuswealth natively models SIPP allowances, ISAs, NHS DB pensions, the April 2027 spousal inheritance tax shift, and UK-India (NRI) cross-border tax treaties.
04 · Collaborative vs Adversarial
Designed to complement your adviser.
We don't try to replace your IFA or accountant. We help you organize your case into a structured report, saving you billable hours and making annual review meetings highly efficient.
- Plain English by design

The jargon, translated.

The UK financial system has a vocabulary that hides as much as it explains. Sonuswealth defaults to plain English on every screen. A few worked examples of how we translate.

The jargon
Inheritance Tax (IHT)
In plain English

The tax HMRC charges on what you leave behind. The first £325k is free (£175k more if your home goes to your children). Everything above gets taxed at 40%. We show your bill, in today's money, and the levers that move it.

The jargon
Tapered Annual Allowance
In plain English

The annual amount you can pay into your pension and still get tax relief starts shrinking if you earn over £260k. We show you the exact taper for your income - and flag when "carry-forward" can rescue an unused chunk from earlier years.

The jargon
Business Property Relief (BPR)
In plain English

A rule that lets certain business assets pass to your heirs without the 40% IHT. Has to be a real trading business - not an investment vehicle. If you hold qualifying assets, we surface them and the trap doors.

- Ask - Surface 07

Ask anything.
Get answers grounded in your numbers.

Type a question. Get a plain-English answer that knows your actual financial life - your pensions, your mortgage, your tax position, your timeline. We don't tell you what to do. We tell you what's true, with the source visible.

sonuswealth - Ask
Live
You've built a wonderful foundation with your £312,000 pension pot. Looking at your £42,000/year retirement goal, your earliest comfortable age is 63 to avoid drawing down other savings too quickly. However, age 60 is absolutely achievable with a few adjustments. We can look at how optimization levers—like bridging the early years with ISA drawdowns or modifying your contribution rate—could bring your goal closer.
Sources: MyMoney + Cashflow + Tax & Estate - Information & guidance, not regulated advice
See Ask examples Explore Decision Engine
- Why now

The gap is enormous.
And nobody's filling it.

The UK is the world's fifth-largest financial market. Yet most households are flying blind on their own wealth - too small for an adviser, too complex for spreadsheets, too important to leave to chance.

UK household wealth
£14tn+

Total UK household wealth. Most of it unmodelled, spread across 14-app patchworks.

ONS - Wealth & Assets Survey
UK financial advisers
~36,000

FCA-regulated advisers - serving roughly 8% of UK households.

FCA Register - industry estimate
UK Open Banking adoption
11M+

UK adults with active Open Banking connections. The rails sonuswealth's Phase 2 will use - Phase 1 ingestion today is via your CSV / scan uploads.

OBIE - 2025 figures
Adults without a plan
8 in 10

UK adults with no written financial plan - not the will, the tools.

Money & Pensions Service
See the full UK picture →
- What's actually inside

Seven surfaces.
One quiet view.

Each surface answers a different question - what you have, where it's going, what tax and estate look like, where you're exposed, what's coming next, what to do about it, and what it all means in plain English.

MyMoney Cashflow Tax & Estate Risk & Resilience Timeline Decision Engine Ask

“Show me my wealth the way it actually works — together.”

- the brief, from a UK founder, age 51
— Trust & Security

Your money stays yours.
Your data stays private.

We build tools to help you plan, not tools to access your capital. Our security model is simple: Sonuswealth is completely read-only.

01
No Money Movement
We cannot move money, make payments, or change your accounts. Your wealth remains securely inside your existing banks and investment providers.
02
No Password Storage
We never see or store your banking passwords. Our current setup is entirely file-based (uploads/manual inputs)—no credentials are required.
03
No Data Sales
Your financial data is yours. We do not sell your numbers, we do not run third-party advertisements, and we do not train AI models on your parameters.
Read our full Security Commitments →
Ready when you are

Join the waitlist.

We're rolling out in waves to UK households first. Join the waitlist for early access and a preview of every surface, with no obligation and no spam.

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