FAQ
Questions about Tessera
What Tessera does, who can see your figures, and how guidance fits in.
The basics
What is Tessera?
Tessera puts your pensions, savings, investments, property and debts on one page. Its tools work out your net worth, what is left over each month, when your mortgage is paid off, whether you could retire when you want to, whether your family is covered, and how close you are to your goals.
Does Tessera give financial advice?
No. Tessera is an information tool. It shows your figures and works out what they add up to against the plan and goals you set. It does not tell you what to do with your money, and it does not recommend products, providers or funds. For advice, you can send your figures to an FCA-authorised adviser.
Can I try it before I sign up?
Yes. The demo opens a sample household in the real app, with no sign-up. You can change anything you like, and none of it is saved.
Your data
Who can see my figures?
Only you, unless you share them. Your figures are encrypted in your browser with a key made from your master password, and the key never leaves your browser. We store and back up the encrypted copy, and we cannot read it. Neither can anyone who makes us hand it over.
What happens if I forget my master password?
When you sign up, you download a recovery kit: 24 words that let you set a new password. Sign-up asks you to type three of the words back before it finishes. If you lose both your password and your recovery kit, no one can open your data, including us.
Can I take my data with me?
Yes. In settings you can download everything as one file, and import that file again later.
Can I delete my account?
Yes. In account settings, type your master password to delete your account. It removes the account and all of its data.
Adding your accounts
How do my accounts get into Tessera?
You can connect a bank through Open Banking, which brings in each account's balance and up to 12 months of transactions. You can also add anything by hand, such as a pension or your home. For an account you added by hand, you can upload a CSV file of transactions from your bank.
Can Tessera move my money?
No. Connecting a bank lets Tessera read balances and transactions. It cannot make payments or move money.
Guidance
Can I ask an AI about my figures?
Yes, if you use Claude. You connect your own Claude account to Tessera, and it reads summaries of your figures, such as your net worth, while you have Tessera open. The summaries pass through our server on their way to Claude; your records and your key do not. Claude can also draft an advice request for you to check. You can disconnect it from the Sharing page at any time.
How do I share my figures with my adviser?
You write a question for your adviser, and Tessera makes a document of your figures to go with it. You check the document, then send it to your adviser by email yourself. Tessera does not send anything to your adviser.
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