- 1Runs onAndroid, iOS, Web
- 2CostsFree plan · paid from £7.50/mo
- 3Budgeting lessonsYes
- 4Credit lessonsYes
- 5Investing lessonsYes
- 6Personalized learningYes
Overview
FNCO is a financial learning and planning app that combines courses, budgeting tools, calculators, goal tracking, and an AI Financial Coach. The coach answers finance questions in plain English and is described as available 24/7. FNCO offers more than 16 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 monitor a Financial Health Score over time; learning features include streaks, XP, and course certificates. The free plan includes daily AI messages, introductory lessons, basic calculators, and a budget planner. Premium costs 9.99 GBP per month and adds unlimited AI Coach use, all courses and calculators, unlimited goals, advanced analytics, priority support, and cross-device sync. FNCO is available on Android, iOS, and the web. It says the app is educational and does not provide personalised regulated financial advice.
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 more than 16 structured courses.
- Calculators span several personal finance topics.
- Tracks goals, milestones, and Financial Health Score.
- Free plan includes a budget planner.
What to know first
- Free-plan AI messages are limited daily.
- Premium costs 9.99 GBP per month.
- It does not provide regulated financial advice.
Verdict
FNCO brings financial lessons, calculators, budgeting, and planning features into one app. Consider the free-plan limits and the stated advice limitation before relying on it for financial decisions.
FNCO plans and pricing
All plansCompared on financial literacy apps
Facts
- Purpose
- FNCO combines financial education, budgeting, calculators, planning tools and an AI-powered coach to help people learn about money and plan for their future.fnco.app · 4 Oct 2026
- AI coach
- The AI Financial Coach answers finance questions in plain English and is described as available 24/7.fnco.app · 4 Oct 2026
- Courses
- FNCO offers 16+ structured finance courses from beginner to advanced, with progress tracking and achievements.fnco.app · 4 Oct 2026
- Calculators
- Its calculators cover mortgages, pensions, investments, debt, compound interest, savings, budgeting, salary and net worth.fnco.app · 4 Oct 2026
- Planning features
- Users can create personalised financial goals, track milestones and monitor a Financial Health Score over time.fnco.app · 4 Oct 2026
- Learning features
- The app lists learning streaks, achievements, XP and course certificates.fnco.app · 4 Oct 2026
- Intended users
- FNCO says it is for people buying a first home, planning for retirement, learning about investing or improving their financial knowledge.fnco.app · 4 Oct 2026
- Advice limitation
- FNCO says it is an educational platform and does not provide personalised regulated financial advice.fnco.app · 4 Oct 2026
- Credentials
- The maker says the platform was created by a finance professional with the Level 6 Advanced Diploma for Financial Advisers (Adv DipFA) from LIBF.fnco.app · 4 Oct 2026
- Support
- Premium includes priority support.fnco.app · 4 Oct 2026
- Platforms
- The maker lists FNCO as available on the web, iPhone and Android.fnco.app · 4 Oct 2026
- Integrations
- The opened maker pages do not state any third-party integrations.fnco.app · 4 Oct 2026
Company
- Headquarters
- Unit A 82-82D James Carter Road, Mildenhall, Bury St. Edmunds IP28 7DE, United Kingdomfnco.app · 28 Sept 2026
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Sources
- fnco.app· checked 4 Oct 2026