HeadRoom

Understand your money today. Plan what comes next. HeadRoom brings your accounts, bills, savings and debt into one forward-looking financial picture. Built for individuals and households—with or without a joint account—it helps you answer the question a bank balance alone cannot: what can we actually afford? See what’s safe to spend. True Balance estimates what you can spend after accounting for upcoming bills and commitments, rather than treating everything in your account as available money. Plan for the costs ahead. Bring recurring payments, one-off expenses and electricity estimates into your forecast. See when costs are coming and spot potentially tight periods before they arrive. Ask questions about your own finances. Ask HeadRoom’s AI assistant questions such as “How could we clear our credit card sooner?”, “Can we save for a holiday?” or “What happens if one of us takes time off work?” Explore the impact on your bills, goals and available money—not just generic budgeting tips. Share a plan, not your entire financial life. Keep personal items private while choosing what contributes to your household picture. Create personal or shared savings and debt goals, prepare a draft plan and send the shared proposal to your partner for review. Explore changes before committing. Model different spending, saving and repayment choices before making real-world changes. Understand the trade-offs without treating a proposed plan as a completed payment or cancellation. HeadRoom combines connected finances, forward forecasts and collaborative planning in one place. Spend less time piecing accounts together and make clearer decisions about everyday spending, upcoming costs and longer-term goals. Your money. Your setup. More room to plan.