Features
Everything in your Tessera.
Three engines on one complete view of your money — a planning lab that works out the move, life-event detection on the roadmap, and zero-knowledge encryption underneath it all. Scattered pieces assembled into one picture you own, and can invite guidance into whenever you want it.
The planning lab
It doesn't just show the number. It works out the move — the thing a filing-cabinet budgeting app can't do, and the reason you have something concrete to decide on.
Retirement — earliest viable age
Tessera projects month-by-month and returns the youngest age at which the pot, contributions, drawdown and state pension cover post-retirement outgoings without running out before assumed life expectancy. Re-runs in milliseconds as you change an assumption.
Mortgage scenarios
Overpayment, lump sum, rate change — modelled against the real balance and the wider balance sheet. See what a fixed-rate end actually costs before it lands.
Wealth & net worth
Everything you own, totalled into one figure, with an ONS age-band comparison so you can see where you stand without vanity benchmarking.
IHT & drawdown order Coming Soon
Estate exposure on the current and projected position, and the tax-efficient order to draw from ISA, GIA and SIPP — recalculated as legislation moves.
Life-event detection
On the roadmap: a layer that will watch the data Tessera already holds and flag when something's worth acting on — so you catch the moment instead of finding out at some annual review. Here's how it's designed to work.
- A rules engine over deltas — salary changes, large credits, fixed-rate ends, approaching pension age, a drop in savings, new regular outgoings.
- A prompt queue — each signal arrives with the modelled impact attached, ranked by what it's worth to you.
- Event history — context that carries across the year ("12 months ago you bought a house").
- Shared only when you choose — invite an adviser in and the signals worth a conversation reach them too, scoped to what you've shared.
Worth a look
Zero-knowledge encryption
It can't read what it holds. Your data is encrypted on your device with a key only you have; the server stores ciphertext only. Your picture stays yours — even from us. It's also what makes "your data, any AI" possible: because decryption happens on your device, you can point your own AI at your real numbers without any of it leaving in the clear.
The everyday view
The things that make it worth opening each month.
Not just a planning session twice a year. These are the trackers that keep your picture current between the big decisions — so you always know where you stand, without chasing it.
Allowance tracker
ISA, LISA, JISA, pension annual allowance, CGT and dividend allowance. Live counters, surfaced before the tax year closes.
Goal tracking
House deposit, university fees, a target pot by a target age — each with its own projection and a red-amber-green read on progress.
Tax-year-end checklist
March prompts: use the ISA, consider pension carry-forward, harvest CGT. The recurring nudge that quietly saves real money.
Year-end summary
A plain-language recap of the year's movements and actions, ready to read and to keep.
ONS comparison
Wealth and income against your age band — honest context, not vanity benchmarking.
Next-best-action
Concrete prompts that join the gaps in the picture to client value — "£30k cash and no S&S ISA — here's the drag."
The data underneath
The engines only think because the data is clean.
Three ways into the picture, then a clean transaction substrate the rest of the platform can rely on.
01 · Open Banking
Live bank feeds
TrueLayer covers 50+ UK providers. 12 months of history on first link; client-initiated refresh thereafter. 90-day consent re-auth handled gracefully.
02 · CSV import
For the long tail
Bank CSV parsers for the major UK formats, auto-detected from file shape. Fingerprint-deduped on re-upload so overlapping exports don't double up.
03 · PDF statements
For credit cards too
Server-side PDF parsing for John Lewis Partnership Card and other statement formats. Bring a year of statements; we extract the transactions.
Sankey cash-flow
Income on the left, essentials / discretionary / savings on the right. A single, scannable picture of the month rather than a wall of categorised tables. Click any flow to drill into the transactions.
Transfer reconciliation
When money moves between your own accounts it's neither spend nor income, just internal noise. Tessera pairs transfers within ±3 days, multi-pass, so the picture never double-counts.
Auto-categorisation
Each merchant becomes a retailer with default tags; edits stick. Five meta-categories drive the Sankey shape and the planning views.
How Tessera differs
Budgeting apps display the data. Tessera acts on it — and can't read it.
Most money apps either stop at a list of balances, or pay for themselves by mining what you feed them. Tessera does neither. The rows below are the ones a typical budgeting app or data-hungry aggregator can't tick.
Works out the move, not just the number
Will flag when something's worth acting on
Nobody but you can read your data
All six aspects, not just balances
Not sold, mined or used to train models
Your own AI, or an adviser — scoped and revocable
Try before you sign up
The same modellers, free and public.
The planning lab isn't only for people who've signed up. The same calculators run on the open web, outside any login — answer a real question in a minute, then start your own Tessera when you're ready to see the whole picture.
Own your whole picture
Start your Tessera in a couple of minutes.
Create your account, bring your first accounts in, and see everything in one place — encrypted so only you can read it. Free to start.
Create your account →