FettleThe signature
Meet the Waterline.
Most apps show you what you have. Fettle shows you what's safe — a single line that forecasts your next 30 days and warns you before a tight week arrives, not after.
Dip toward the line and it flags the risk window early, so a quiet week never turns into a nasty surprise.
Safe to spend · next 30 days
£1,300
✓ On course
Tax set aside · £412
Waterline · forecast
Tight round the 18th
£0 waterline — the line we keep you above
How it works
Three things your bank
app will never do.
1
Sees your real cash flow
Connect your accounts once, read-only. Fettle watches money in and out across every gig, client and app — in one place.
2
Sets your tax aside
It works out what to hold back for tax automatically, so January's bill is already covered — never a shock.
3
Answers "can I afford it?"
Ask Fettle in plain English. It answers with your real numbers — and keeps you above your waterline.
See it in action
The 30-second story.
Questions
The honest answers.
Is my money safe with Fettle?
Yes. Fettle connects to your bank on a read-only basis through Open Banking, which you authorise with your bank's own secure login. We can see your transactions to give you insights, but we can never move, hold, or touch your money. Fettle is not a bank.
Is the £5 really refundable?
Completely. The £5 founding deposit is refundable at any time, for any reason — just email us and we return it in full to your original payment method. If you stay on as a paying customer after launch, the £5 comes off your first year instead.
Is Fettle financial advice?
No. Fettle gives you general guidance and education to help you understand your own money — it's not regulated financial advice, and nothing in the app is a personalised recommendation. For advice about your specific situation, speak to a qualified adviser or accountant.
Who is Fettle for?
Anyone whose income isn't the same every month — delivery drivers and couriers, students, freelancers, tradespeople and the self-employed. If payday is a guessing game, Fettle is built for you.
How does the tax set-aside work?
Fettle looks at what you earn and works out roughly how much to hold back for tax, so it's quietly set aside before you spend it — and January's bill isn't a shock. The figures are estimates to guide you; you stay responsible for your own tax, and we'd always suggest confirming with an accountant or HMRC.
When does Fettle launch?
We're building it now and opening a founding waitlist first. Founding members get early access and locked-in founding pricing — and we'll tell everyone on the list the moment the beta is ready.
Founding waitlist · open now
Be one of the
first in.
Join free — just your email. Or become a Founding Member for £5 (refundable) to lock in founding pricing and skip the queue. Open for drivers and students first.
No spam. No commitment. Just early access and founding pricing locked in.