In development · Authorisation in progress

Try the prototype.

The fact-find, the risk assessment, the tax simulation and the lifetime cashflow forecast, all working. Click through as much of it as you like.

This is a prototype, for demonstration only. It is not a regulated service, nothing it produces is financial advice or a personal recommendation, and the figures are illustrative. Nothing you enter is saved or sent anywhere. Finlume is not authorised by the UK regulator of financial advice.
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Best viewed on a larger screen

The prototype is a full financial planning journey and it needs some room. On a phone, open it in its own tab using the button above rather than in the frame.

What you are looking at

Five things, all of them working.

1

A five-step fact-find

Pre-filled as though a bank account had been linked, then confirmed rather than typed.

2

Risk assessed across three dimensions

Investment knowledge, attitude to risk and capacity for loss, scored separately.

3

A live tax simulation

Using UK 2026/27 rules, including the personal allowance taper that creates the roughly 60% marginal rate between £100,000 and £125,140.

4

A lifetime cashflow forecast

Projected to age 100 in today’s money, comparing the plan against doing nothing.

5

A suitability summary

What is recommended, why, and what it costs — generated, not typed.

What it does not do yet is anything real. It cannot open an account, hold money, or give you advice, because Finlume is not authorised. That is what the authorisation process is for.