Emergency fund tracker
See how close you are to a three-month safety net — and what it will take to get there.
Starting out
Financial planning for beginners
You’re earning your own money for the first time. It’s exciting — but also overwhelming. Fynla gives you a clear starting point for financial planning, without the jargon.
Is this the right stage of your journey?
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You’ve just started earning for the first time
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You have student loan debt and need graduate money management
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You’re not sure what a pension even does
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You want to build first-time savings habits but don’t know where to start
What Fynla shows you at this stage
Student loan overview
Understand your plan type, repayment threshold, and how long it will take to clear.
Workplace pension basics
See what your employer is putting in, what you’re contributing, and what it could grow to.
Simple net worth dashboard
Everything you own minus everything you owe — one clear number to track from day one.
Features that may be relevant to you
Savings goal tracker
Set a target, track your progress, and build the saving habit that compounds over a lifetime.
ISA allowance tracking
Understand your annual ISA allowance and make sure you’re using it before the tax year ends.
Student loan planning
See your balance, plan type, and repayment schedule clearly — no more guessing.
Budget foundations
Know exactly what comes in, what goes out, and what’s left to save or invest.
What do I need to start my journey?
To get the most from Fynla, have these details ready. You don’t need everything at once — you can always come back and add more later.
About You
Basic personal details
- Date of birth
- Employment status
- Marital status
- Number of dependants
Income & Tax
Your earnings and tax details
- Annual salary or income
- Tax code (from payslip)
- Student loan plan type
- Any additional income
Monthly Spending
A rough idea of your outgoings
- Rent or mortgage payment
- Bills and utilities
- Food and essentials
- Subscriptions
Savings & Assets
What you have right now
- Savings account balances
- ISA balances
- Workplace pension value
- Any other savings
Debts & Liabilities
What you currently owe
- Student loan balance
- Credit card balances
- Personal loans
- Overdraft amounts
Your Goals
What you want to achieve
- Emergency fund target
- Savings goals
- Short-term priorities
- What matters most to you
Start your journey
You can always skip steps and come back later
Small steps that make a big difference
Your first £1,000
Building an emergency fund feels impossible at first. Fynla breaks it into monthly targets and tracks your progress — so you can see that £1,000 safety net getting closer every month.
Free money you might be missing
If your employer matches pension contributions and you’re not contributing enough to get the full match, you’re leaving free money on the table. Fynla shows you exactly what you’re missing.
Janice
Fresh out of university with a student loan and her first workplace pension. She’s building an emergency fund and learning what her money is actually doing. Fynla shows her exactly where she stands — and what to focus on first.