I've spent the last decade building wealth slowly — ISAs, pensions, equity in my home, and a small box of silver coins my dad passed down to me.
Every platform I used showed me what I had today. None of them showed me where I was heading. Could I retire early? Was I actually on track? What happens if markets fall 30% the year I stop working?
I'm Liam — an email marketer in Edinburgh. Not a fintech founder. I started investing at 18, and I was one of the first users of Moneybox when it launched in 2016 — I even backed their first ever round of crowdfunding. Solid returns. Still investing through them today.
Then I added Trading 212 for the no-fee ISA. That's when it got messy. Two platforms, two dashboards, no single view of what I actually had. My solution was a spreadsheet on my desktop with net worth, FIRE projections, three forecast scenarios. The maths worked.
The problem was me. I'd forget to update it for months at a time, and eventually the forecasts stopped reflecting reality. The tools that existed either required bank linking, were built for the US market, or just answered a slightly different question.
So one evening I thought — why not just build the app I actually want?