Last updated: 6 July 2026
SpendWise is not a bank, building society, payment institution, credit provider, insurer, financial adviser, investment adviser, or wealth manager. We are not authorised or regulated by the Financial Conduct Authority (FCA), and nothing on this platform should be treated as a regulated financial service or promotion.
The tax organisation features (document storage, checklists, reminders, and notes) exist purely to help you keep your own records tidy. We do not calculate tax, verify figures, confirm deadlines, assess your obligations, or interact with HMRC on your behalf. UK tax rules change, and reminders shown in the platform are general prompts only. Always confirm tax deadlines and obligations with HMRC or a qualified accountant. Official guidance: GOV.UK — Money and tax and GOV.UK — Self Assessment.
Articles in the Money Tips Library describe general budgeting and organisation methods. They are educational, generic, and not tailored to your circumstances. Any examples of amounts saved are illustrations, not promises — we make no guarantee of any saving, budgeting, or financial outcome.
Charts, remaining-budget figures, “monthly required saving” amounts, and forecasts are simple calculations based only on the numbers you enter. They can be wrong if your entries are incomplete or inaccurate, and they do not account for interest, inflation, fees, or changes in your circumstances.
We link to official resources such as GOV.UK for your convenience. We are not responsible for the content of external sites, though we choose them carefully.
Any decision you make about spending, saving, borrowing, debt, or tax is your own responsibility. If you are in financial difficulty, free impartial help is available from services such as MoneyHelper (backed by the UK government).