#1
MH
Finance AI
MoneyHelper Budget Planner
The safest first recommendation for a UK retiree who wants to write down expenses and understand whether the monthly budget is balanced.
Free public toolFreeWatch-out: Not an investment adviser
FREE AI TOOL DESK
Free Finance AI tools and trials.
Start without wasting budget. These products advertise a free tier, public calculator, free credits or trial route, but always check export limits, usage caps and commercial terms before serious work.
#2
WA
Finance AI
Warren
Useful for people approaching retirement who want a guided AI planning layer across pensions, ISAs, property and spending questions.
Free startFree start; planning options varyWatch-out: Not a replacement for regulated advice
#3
AV
Finance AI
Aviva Retirement Planner
A practical pension projection tool when the user knows current pension value, contributions and planned retirement age.
Free public toolFree calculatorWatch-out: Projection is not advice
What to check before using free AI tools.
Can I use free AI output commercially?
Sometimes, but not always. Check the product terms, model policy, export watermark, licence restrictions and whether uploaded customer data is retained or used for training.
When should I upgrade?
Upgrade only when the free tier proves repeatable value on real work. Track limits, output quality, correction time, exports, team controls and privacy requirements.