Optimise your financial life
Save time. Build knowledge. Maximise returns.
Automated tools and guidance on saving, borrowing, ISAs and pensions.
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Hi, Nina
OPTIMISE
Lifetime optimisations
+ £43,181
Messages
!  Join the wait list and be one of
the first people to use OPTIMLY.
Optimly is an automated
advice application
Financial education
Interactive tools, guides, and calculators
3,000+ products in our ecosystem
Savings, credit cards, loans and investments
Always on & accessible 24/7
Real-time alerts and product recommendations
Live updates
1,000+ open banking connections
Tailored to you
Our service is independent and unbiased
Maximise your savings
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Hi, Sam
Hi, Sam
OPTIMISE
New optimisations
+ £1,770
Messages
! Your car MOT runs out in 19 days.
Optimisations
Save: + £1,584
Your net savings rate is 2.2% AER. We predict that switching accounts will leave you £1,584 better off over the year. Over 5 years this grows to £4,582.
Invest: + £186
Your savings are £3,211 above target. We predict that moving this money into your investment ISA would be worth an extra £186 a year, or £1,138 over 5 years.
How much to keep in savings
Find your optimal amount
Find your optimal savings allocation. We'll help you know when it's best to save, when to overpay debt and when to invest.
Learn more
Where to keep it
Get the optimal account
Our algorithms identify which combination of accounts will achieve the best return, after tax. Whole-of-the-market search. FSCS protected.
Try our savings calculators
Debt management
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Hi, Alex
Hi, Alex
OPTIMISE
New optimisations
+ £4,092
Messages
! Your home insurance is due for
renewal in 27 days time.
Optimisations
Debt: + £4,035
Your savings are £3,138 above target. Consider using £2,019 to repay your credit card before the end of its 0% period.
Debt: £ Pending
If you choose not to repay your credit card, consider switching to a 0% rate. However, this will only save you £452 in interest.
Invest: + £57
Consider investing £1,119. Over a 5 year period we estimate the growth to be worth £353 more than putting the money into a savings account.
Portfolio
Net worth
£21,094.67
14.81%
Rate map
Balance (£)
Rate (% AER)
Debt overpayment zone
Savings zone
Rate map settings >
When to overpay
When to overpay debt
We compare the interest saved from overpaying and switching debt with the return from saving or investing.
Try our debt calculators
When to switch
When to switch it
Each day we automatically search the market for the best rates and notify you when you can save money.
Learn more
Investment guidance
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Hi, Mo
OPTIMISE
New optimisations
+ £885
Messages
! You have £14,250 of this year's ISA allowance remaining.
Optimisations
Save: + £531
Your net savings rate is 2.9% AER. We predict that switching accounts will leave you £531 better off over the year. Over 5 years this grows to £3,152.
Invest: + £354
Your savings are £6,942 above target. We predict that moving this money into your investment ISA would be worth an extra £354 a year, or £2,191 over 5 years.
How much to invest
How much to invest
Get the right balance between saving, investing and making pension contributions to maximise return and achieve your goals.
Learn more
What to invest in
What to invest in
Understand your risk profile. Know when to use ISAs or LISAs. Leading investment funds from the world's top providers.
Try our investment calculators
Pension calculators
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Hi, Jamie
Hi, Jamie
OPTIMISE
New optimisations
+ £16,435
Messages
! We predict that you'll repay your
student loan within the next six months.
Optimisations
Pensions + £16,200.00
You're currently paying 60% tax on £10,000 of your income. Using salary sacrifice you could increase your workplace pension fund by £20,000 while only reducing your take home pay by £3,800.
Energy + £234.88
We've found you a new energy tariff which will save you £234.88 a year.
Portfolio
Net worth
£1,418,271.13
14.81%
Understand the tax benefits
Understand tax benefits
Calculators that help you understand the benefit of pensions and how much you can invest into them each year.
Learn more
Interactive tools and guidance
Interactive tools
Personalised guides that help explain and quantify the benefits of workplace schemes, salary sacrifice and more.
Try our pension calculators
We guide, You decide
Accept or reject our recommendations. You're always in control.
Automation
Instant notifications of better rates to save you time and money
Learn more
More
Guidance
Guidance on whether to invest in an ISA or top up your pension
Learn more
More
ISA v Pension
We've compared the growth of £5,000 over 12 years when placed in an ISA or pension.

The results make assumptions for growth, future tax rates and allowances:
Change our assumptions >
ISA
- Amount invested: £5,000
- Growth rate: medium
- Gross value in 2035: £8,676
- Tax on withdrawl: £0
- Net value in 2035: £8,676
Total growth: £3,676
Pension
- Amount invested: £6,500
i

- Growth rate: 5%
- Gross value in 2035: £8,938
- Net value in 2035: £8,938
Assumptions >
Automation
Ongoing monitoring to optimise your saving balances
Learn more
More
Automation
Alerts when your debt rate is higher than your savings rate
Learn more
More
Guidance
Student loan calculators to help you make good decisions
Learn more
More
Student loan calculator
This calculator helps you understand the impact of making overpayments to your student loan:
Change our assumptions >
Your student loan
- Loan type: Plan 1
- Balance outstanding: £30,112
- Planned overpayment: £2,000
Result
If you make an overpayment of £2,000 to your student loan account, we estimate that you will be £3,959 worse off.

We have calcualted this based on the
Total growth: £3,676
Automation
Customisable settings to keep you informed when it matters
Learn more
More
Alert threshold
Stay in control with customised notifications. We won't bother you unnecessarily. Set an alert threshold, and we'll only inform you when you can save/earn more than this amount.
Your threshold is £50
EDIT
Notifications
Transactions & payments
Balance updates
Optimisations
News & promotions
Alert threshold
Changing your alert threshold means that we'll only notify you when taking action can save or earn you at least:
50
Confirm
Guidance
Guidance on whether to save or invest your money
Learn more
More
Save v Invest
We've compared the growth of £10,000 over 5 years when placed in an savings account or an investment fund.

The results make assumptions for fund growth, future savings rates and tax allowances:
Change our assumptions >
Save
- Amount saved: £10,000
- Net savings rate: 5.4%
- Value in 2028: £13,008
Total growth: £3,008
Invest
- Amount invested: £10,000
Assumptions >
We've compared the growth of £5,000 over 12 years when placed in an ISA or pension.

The results make assumptions for growth, future tax rates and allowances:
Change our assumptions >
Invest
- Amount invested: £5,000
- Growth rate: medium
- Gross value in 2035: £8,676
- Tax on withdrawl: £0
- Net value in 2035: £8,676
Total growth: £3,676
Fully automated and always on
Optimly is packed full of personalised tools and features.
Find out more
Leading products in our ecosystem
Last refreshed on
Savings

Savings

Instant access
5.22%

Savings

180 day notice
5.50%

Savings

Cash ISA
5.25%

Savings

Cash LISA
4.25%
Credit cards

Credit card

Balance transfer
0%
Unsecured loans

Loans

Personal loan
5.9%
Investments

Investments

20% Equity 5Y Return
2.42%

Investments

40% Equity 5Y Return
6.45%

Investments

60% Equity 5Y Return
7.98%

Investments

80% Equity 5Y Return
9.88%
* Investment returns have been annualised. Debt product APRs are subject to change based on individual circumstances and the representative APR may not be what you receive.
How much could you benefit?
We have a range of tools for you try while we're finalising our app.
Try our calculators