HiveWorthFinancial clarity, before the decision.
Private beta · UK

Know what your money can do before you make the decision.

HiveWorth brings household finances, goals, mortgages and business cash planning into one clear picture — then helps you test what changes if you spend, save, borrow or take on a new commitment.

Open HiveWorth See Decision Lab
Security-firstPrivacy-consciousNo ad tracking in this site build
TodayPrivate beta
UNALLOCATED THIS MONTH £872.47 after planned commitments and goals
Monthly income£4,220
Commitments£2,768
Protected goals£580
NEXT 30 DAYSLowest scheduled balance
£1,284
05 OctBroadband−£37
14 OctIncome+£428
27 OctSalary+£4,220
01Understand

See what you have and what is already spoken for.

02Protect

Keep goals, buffers, bills and priorities visible.

03Decide

Model the financial effect before changing the plan.

A clearer financial picture

More useful than a bank balance alone.

A current balance shows where you are. HiveWorth is designed to show what is committed, what remains unallocated and what may happen next.

£

Unallocated cash flow

See income after fixed commitments, living budgets, debt, mortgage payments and planned goals.

↗

Forward cash view

Use dated income and commitments to understand the scheduled position ahead, not just the monthly total.

◎

Protected priorities

Keep emergency funds, savings goals, household plans and business buffers visible in one place.

Decision Lab

Test the effect of a financial choice before you make it.

Compare different routes against the financial information and guardrails recorded in HiveWorth.

  • Compare paying from cash, saving first or financing.
  • Test a new monthly commitment or a change in income.
  • Set minimum cash, monthly cash-flow and runway rules.
  • See which routes pass or fail your own modelled guardrails.

“Affordable in this model” means a scenario passes the rules you set using the data currently recorded. It is not lender approval, regulated advice or a guarantee that a decision is suitable.

£1,200 PURCHASE3 routes modelled
Your rules
Save first£200 / month
Passes your rules
Pay from cash£1,200 now
Below cash reserve
12-month finance£106 / month
Passes your rules
Minimum cash to keep£5,000
Minimum monthly amount£400
Minimum runway3 months
Household view

Shared where it needs to be. Private where it doesn't.

M
My financesPrivate transactions
Private
H
HouseholdShared bills & goals
Shared
P
PartnerShared value only
Limited
Household planning

Plan together without assuming everything must be visible.

HiveWorth is designed for households where finances can be individual, shared or somewhere in between.

  • Personal, household and shared-value visibility.
  • Joint commitments and shared goals.
  • Household decision modelling.
  • Partner collaboration without forcing full transaction sharing.
Business cash planning

Know what the business can use without losing sight of tax and operating buffers.

HiveWorth business tools focus on cash planning rather than bookkeeping or tax filing.

Business cash£12,000
Protected tax cash£3,000
Operating buffer£4,000
Unprotected cash£9,000
The Personal StandardExample
MONTHLY SURPLUS AFTER RESERVE£1,140
Revenue£4,200
Operating costs£2,000
Tax reserve£660
Owner transfers£400
Security first

Financial data deserves a higher standard.

HiveWorth is being developed with security and privacy as release gates, not optional add-ons.

01

Strong account security

MFA support, session controls and guarded recovery are part of the product design.

02

Least-privilege access

Financial records are designed around explicit ownership, household membership and visibility rules.

03

Protected infrastructure

The architecture is moving toward a controlled API and private database model.

04

No ad-data model

HiveWorth is not being designed around selling financial behaviour to advertisers.

Private beta notice

HiveWorth is still under active development and security hardening. Public launch will require additional independent testing and production safeguards.

Read the security approach →
Indicative beta pricing

Start simple. Add capability when you need it.

Payments are not yet active. These prices are indicative while HiveWorth remains in private beta.

Free

£0/month

For getting your financial picture together.

  • Accounts & transactions
  • Up to 3 goals
  • Core monthly view
  • PDF transaction export
Plus

£2.99/month

For deeper personal planning.

  • Unlimited goals
  • Decision Lab
  • Goal funding plan
  • Mortgage modelling
Household

£4.49/month

For households planning together.

  • Everything in Plus
  • Household collaboration
  • Shared/private visibility
  • Household modelling
Complete

£5.99/month

For household and business planning.

  • Everything in Household
  • Business workspace
  • Business Decision Lab
  • Reserve modelling

Indicative pricing only. Final pricing and included features may change before public release.

Questions

What HiveWorth is — and what it isn't.

Is HiveWorth a bank or lender?

No. HiveWorth is a financial planning and decision-support application. It does not hold your money, lend money or make lending decisions.

Does HiveWorth tell me whether I can afford something?

Decision Lab can show whether a scenario passes financial rules you configure. That is a modelled result, not regulated financial advice or lender approval.

Does HiveWorth connect to my bank?

Connected banking is part of the future roadmap. During private beta HiveWorth focuses on controlled manual/CSV data entry and reconciliation accuracy.

Will there be iOS and Android apps?

Yes. HiveWorth is being designed so the web application and future mobile apps can share the same financial engine and backend API.

Private beta

Make the financial decision with context — not just a balance.

HiveWorth is being built around one question: what changes if you do this?

Open HiveWorth