Your dreams, your money, your plan
Turn your dreams into reality with the help of your own money expert, a financial plan and investing recommendations made especially for you.
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Make your money go further
Meet with an expert that really cares
Ditch the robots and get help from a human. We match you with an expert to answer all your questions and chat about your goals.
Map your financial future
See a long-term forecast of all your finances – all in one place. Check if you’re on track and explore the different choices you can make with your money.
Get a personalised plan
Get a financial action plan with a clear path to whatever you’re dreaming of.
Get help taking action
Easily set up your Stocks & Shares ISA, retirement account, and much more.
Thousands of 5-star reviews
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What it costs
Swipe left to compare |  | Traditional
Financial Advisers |
Upfront Planning Fee | £299 | £2,000 or more |
Total Ongoing Fee | From 1.15% | 1.9% or more |
Our Upfront Planning Fee covers the cost of working with us to build your financial plan and strategy. The Ongoing Fee (per year) covers all the costs associated with managing your investments, the underlying funds and providing ongoing planning and advice year after year.
The figures quoted in “Traditional Financial Advisers” represent averages across the financial advice market – the upfront planning fee is sourced from Unbiased, Feb 2024 and the total ongoing fee is sourced from Which?, Jan 2024.
Start with a free session – no strings attached!
First things first. Meet for a chat, discuss your goals and money questions and see how Octopus Money can help.
Jargon-free money advice – from our team to your inbox
Not ready to start chatting about your goals just yet? That’s ok! You can still get money advice from the team at Octopus, straight to your inbox. Our newsletter drops just once a month – so fear no spam.
Frequently Asked Questions
Can I try the service before signing up?
Of course! It’s really important that you feel completely comfortable and understand all the ways we can help you with your finances.
We give everyone one free session – no strings attached – to make sure you understand how we work, see if we’re a good fit for you and hear some initial suggestions we’ll have for your situation.
What will happen during my free Starter Session?
Your first session will last around 30 minutes.
After you book a time that works for you, we’ll ask you to answer a few questions so we can get to know you and your situation a bit better.
When you join the session, we’ll discuss your current circumstances and any money goals you have in mind. If you don’t have any goals, that’s okay – we can help you come up with some that are important to you.
Then, we’ll suggest which areas of your finances might need attention, and highlight the opportunities and challenges in front of you. These will be general tips and tricks, as we’ll only be sharing our initial thoughts.
Finally, we’ll explain our financial planning service, where we can build you a custom financial plan and help you sort your pensions, investments and more. Then, you can decide whether it’s right for you.
Who is it for?
We’re for anyone who wants to make more of their money and stay on track with their finances.
Customers often come to us when…
- They’re saving to buy a property.
- Their family is growing and they’re thinking about their kids’ futures.
- They want to make sure they’re on track for retirement.
- They’ve got several big goals in mind and I want to build the right strategy to save for all of them in the best way.
Do I have to be a UK resident to use Octopus Money?
Yes, for the time being, you must be a resident and taxpayer of the UK to use our services. That’s because our technology and recommendations are all customised for the UK – including UK tax rules, legislation that applies to UK pensions and other guidance particular to the UK money system.
Unfortunately, we also cannot help US citizens or dual-citizens.