What it actually does
Most money apps assume one adult. Linup assumes a household — and that the people in it are not all in the same place. Four tabs, the same for everyone: Today, Money, Together and Household.
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Money
One figure: left this month
Open Money and you see what is left after bills, saving and any extra debt payment, with one word for how the month is going. Adding a spend takes seconds, and Linup remembers which category each shop belongs in.
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Budget
A budget that opens itself
Each month starts from your usual budget, with household lines and each person’s own. Forget a whole month and it is still there when you come back. Missed a few days? Catch them up in one go.
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Check-in
Close the month in about ten minutes
A short monthly check-in: confirm what was spent, give any money left a job, and review your goals. Leftovers can carry into next month.
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Plan
Your debt-free month
Add what you owe and own, choose snowball or avalanche, and see the month you will be debt-free. Move the extra payment and the date moves with it. Net worth at one, three and ten years; a pot for each goal.
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Together
Chores, habits and campaigns
Chores earn coins, habits keep a streak with cheers from the family, and campaigns give everyone a short push with an end date. Seasons turn over on the calendar, so everyone gets a fresh start.
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Rewards
Coins are not money
Coins buy rewards the household has agreed on, and a request waits for a parent to say yes. Coins and pounds live in separate ledgers and never turn into each other by accident.
Built for a whole family
The same figures, shown at the depth each person wants — and only to the people they are meant for.
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Three views of the same app
Explorer, Pathfinder and Guardian. A younger member sees their own line, pocket money and habits; a parent sees the whole budget and the plan. Anyone can choose a simpler view for themselves.
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Who sees what, item by item
Each thing can be private, for the adults who run the household, for people you choose, or for the whole family. The rule is enforced by the database itself, not just hidden on screen.
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Younger children, without a login
A child under 13 can have a profile looked after by an adult — chores, coins and their own pot, with no account and no password. Those profiles are free, and can be shared with a second home.
And the rest
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Ask Linup
Ask a question in plain words — “how much did we spend on groceries in September?” The answer comes from your own figures, worked out by the app; the AI never makes a number up, sees only what you can see, and can be switched off for the whole household.
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Financial health, in sentences
Your scores explained in words rather than gauges, each with what would move it, and a checklist of where you stand.
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Works without signal
Log a spend in a car park with no reception and it is kept on the phone, then saved once you are back online — once, not twice.
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Reports and advisers
Download the household’s figures as a spreadsheet, or give a financial adviser read-only access to part of your plan, for as long as you choose and no longer.
What makes it different
The deliberate one
Linup never connects to a bank. No open banking, no feeds, no transaction import — not now, and not later as a premium tier.
That is a decision, not a gap we intend to close. Typing an amount in takes a few seconds and it is the few seconds in which you actually notice what you spent. An imported feed shows you a tidy list of things that already happened; a deliberate entry is the moment you can still do something about.
It also means the awkward question never arises. There is no bank connection to share with a teenager, no read access to a parent’s current account sitting behind a family feature, and no credentials for anyone to hand over. The only Direct Debit is for Linup itself.
Pricing
£1.50 per person who signs in, per month
The first 30 days are free for the whole household. After that it is paid by Direct Debit through GoCardless — set up only when you decide to keep it.
Counted by people who actually have a login. A managed profile for a younger child — no login, no password, nothing to sign into — is never charged for. Add or remove someone and the price changes from the next billing period.
If the trial ends without a Direct Debit, your household stays, read-only, until you set one up or end it. You can remove your details or end the household at any time, locked or not.