Financial Co-Pilot is your all-in-one app for mastering your UK finances. It combines powerful calculators with smart AI insights to help you understand, plan, and improve your financial life.

Key Features:
Salary Calculator: See your true take-home pay after tax, National Insurance, pension (standard or salary sacrifice), and bonuses. You can also use its AI to benchmark your salary against current market rates for your specific job title, experience, and city.

Budget Planner: Automatically uses your calculated net pay to help you track monthly expenses against your income, showing you exactly how much disposable income you have. AI provides personalized tips to help you save money.

Payslip Analyzer: If your payslip seems wrong, this AI tool helps you diagnose the issue. Enter your gross salary and the net pay you received, and it will list the most common reasons for the discrepancy.

Advanced Calculators: Plan for major life events with detailed tools for mortgages (including the impact of monthly or lump-sum overpayments), debt repayment strategies (Avalanche vs. Snowball), and retirement planning.

Career & Life Tools: Make smarter decisions with the "Compare Job Offers" tool that analyzes full packages (salary, pension, bonus). The "Cost of Living" calculator uses AI to estimate how far your income would go in different UK cities.

Net Worth Tracker & Education Hub: Get a complete overview of your financial health by tracking your assets and liabilities. You can also ask any financial question to the AI-powered "Investment Education Hub" to get simple, clear explanations on topics like ISAs, investing, and more.