We’re on a mission to make it easy for everyone to get help with their money

Schools don’t teach money, society makes it taboo and banks want to sell. It’s time for a different way.

Explore Octopus MoneyCoach

Chat with your personal financial coach Ask as many questions as often as you like
Set your goals Tell us what’s important to you – and add as many as you like
Find out exactly how much to save, invest and put into pension Put your money in the right places
With your new plan in place, get a peek into the future Immediately see how your finances will change, as you explore different options
Get recommendations from your coach to reach your goals faster Keep track of all your actions in one place

How does financial coaching work?


It’s hard to believe, but on average, people add £9,755 to their household savings, in their first year.

Financial coaching is for everyone

“It feels so freeing getting to the point where I’m in control of my money.” Natasha
“I wanted someone to guide me through the bigger financial decisions…now I email my coach all the time.” Charlotte
“We found out we could get an extra £6,000 towards our house purchase. … That was a big help.” Harry
“I was surprised by how far into my future I could see.” Becks

Investing in yourself shouldn’t cost a fortune.
We’re proud to be 10x more affordable than
traditional money advice.

Pay by
direct debit

£20.75 a month
(with a 12 month commitment)

  • Your own coach to support you throughout the year
  • Unlimited use of planning dashboard
  • Get advice on the right savings, investments, pensions, mortgage and insurance

Pay through
your salary

£12-14 a month*
(with a 12 month commitment)

*Huh? Why is this so much cheaper?
Paying through “salary sacrifice” means that the fee is deducted from your wages before you pay tax or national insurance. This means the £20.75 is reduced by 32% or 42%, depending on your tax bracket.

If you’d like to ask your employer about it, we’ve already written an email to get you started!

Ask your employer

We had a wild idea…Your first coaching
session is free.
No strings attached.

Book now to:

  • Start asking your money questions
  • Discuss your personal goals
  • Get some initial recommendations from your coach


(We get these a lot…)

What’s the difference between a financial advisor and a financial coach?
Ah yes. There’s financial coaching and there’s financial advice. Let us explain.

Your coach will help you plan your finances and make suggestions based on your goals … that’s coaching.

But your coach will never recommend a specific company’s product or specific investments … that’s advice.

Our coaches never make money from products you choose which means they’re on your side and act in your interests alone. It also means the Financial Conduct Authority (FCA) does not regulate the support our coaches offer you.

How will the coaching sessions be held?
Most sessions are held via Zoom. A link to the Zoom meeting will be included in the calendar invitation which is sent to you after confirm your booking above. But coaches can hold your session via phone instead, if you prefer. Just let your coach know after booking your session.
Can my partner join the session?
Yes! If your partner would like to join the session they are more than welcome to do so. Your coach will view your finances as a whole, and there’s no additional cost for including your partner in a financial plan, if you choose to sign up to the full Octopus MoneyCoach service.
Can MoneyCoach help me if I'm approaching retirement or have complex circumstances?
Our service is designed to help the vast majority of people, though there are some circumstances in which we might recommend that you speak to a more specialist source of advice.

For instance, if you’re thinking of withdrawing money from your pension within the next 5 years, or if you are looking for advice on investing more than £100,000, then you may need more specialist help than we can provide.

If in doubt, please do book in a session and your coach will help you to work out what would be the best option for you. They can also refer you to a specialist, if you would like them to do so.