FNCO combines financial education, budgeting, calculators, planning tools, and an AI-powered coach to help people learn about money and plan for the future. Its coach answers finance questions in plain English and is described as available 24/7. The platform offers 16+ structured courses from beginner to advanced, with progress tracking and achievements. Calculators cover mortgages, pensions, investments, debt, compound interest, savings, budgeting, salary, and net worth. Users can set financial goals, track milestones, and follow a Financial Health Score over time; learning features include streaks, XP, and course certificates. FNCO is available on Android, iOS, and the web. Its free plan includes daily AI messages, introductory lessons, basic calculators, and a budget planner. Premium costs 9.99 GBP per month and includes unlimited AI Coach use, all courses and calculators, unlimited goals, advanced analytics, priority support, and cross-device sync. FNCO says it is an educational platform and does not provide personalised regulated financial advice. The maker says the platform was created by a finance professional holding the Level 6 Advanced Diploma for Financial Advisers from LIBF.
Who it is for
FNCO may suit people learning about money, buying a first home, planning for retirement, or exploring investing. It is for education and planning, not personalised regulated financial advice.
What is good
- Offers 16+ courses from beginner to advanced.
- Calculators cover mortgages, pensions, debt, and more.
- Goal tracking includes milestones and a Financial Health Score.
- Free plan includes lessons, calculators, and a budget planner.
What to know first
- Free AI messages are limited to a daily allowance.
- FNCO does not provide personalised regulated financial advice.
- Premium costs 9.99 GBP per month.
Verdict
FNCO brings learning, calculations, and goal tracking together for personal financial education. Its advice limitation is important: it does not provide personalised regulated financial advice.
FNCO plans and pricing
All plansCompared on financial literacy apps
- Free plan
- Yes
- Budgeting lessons
- Yes
- Credit lessons
- Yes
- Investing lessons
- Yes
- Personalized learning
- Yes
