Features and plans
Everything Oxygene Finance does, grouped as it is in the app, and the plan each part is in. Free keeps working; it is not a trial. Pricing to be announced.
Sharing with a partner
Every household, on every plan, can share a view-only seat with one partner. The partner sees the household at the owner's plan, but it gives them no plan for a household of their own. After a partner seat ends, it can be given to someone else 14 days later.
Home
Where things stand today, and what has changed.
| Feature | What it does | Plan |
|---|---|---|
| Dashboard | The one-screen summary: what you own, what you owe, and how it moved. | Free |
| Insights | Reads your figures and says what stands out. | Free |
| Journal | A note of each decision and why it was made, so it can be understood later. | Free |
| Monthly check-in | Up to ten balances updated on one screen, then what moved since last time. | Free |
Money and property
Everything the household owns, and whether the figures are right.
| Feature | What it does | Plan |
|---|---|---|
| Accounts | Every bank, savings and investment account, its balance and whose it is. | Free |
| Data health | Shows which figures disagree with each other and which nobody has checked recently. | Free |
| Import from a file | Brings in holdings and trades from a platform’s CSV export, and past net worth from a spreadsheet. | Free |
| Holdings | The individual investments held, with their latest market values. | Free |
| Asset allocation | What the money is invested in — shares, bonds, cash, property — rather than where it is kept. | Free |
| Performance | How the investments have done, and whether they still hold what was intended. | Free |
| Selling assets | Works out what selling investments to raise a sum would cost in Capital Gains Tax. | Premium |
| Property | Homes and rentals, their values and the mortgages against them. | Free |
| Companies | The balance sheet and reserves of each limited company in the household. Households with a limited company. | Free |
Plans and goals
What the money is for, and whether it gets there.
| Feature | What it does | Plan |
|---|---|---|
| Budget | Money in, money out and what is left to save, tracked month by month. | Free |
| Spending analysis | Reads exported bank statements to show where the money went. | Premium |
| Safety Net | If the income stopped today, how long the household could carry on and from which pots. | Free |
| Goals and protection | The dated things being saved for — school fees, a car, a wedding — and the cover behind them. | Free |
| Debt and cash flow | What is owed, when each payment falls due, and whether the money is there on the day. | Free |
| Retirement | The projection of when work becomes optional, and how confident that answer is. | Free |
| Simulations, stress tests and what-ifsPart of Retirement | Thousands of simulated futures, market falls, changed assumptions, and searches for the highest spending and part-time work, on top of the free year-by-year projection, earliest funded age and “if saving stopped now” reading. | Premium |
| Saved retirement scenariosPart of Retirement | Keep several versions of the plan side by side and compare them. | Premium |
| ISA or pension? | Prices both routes on your own figures and names the trade-off between them. | Premium |
| Survivor planning | Tests whether the plan still works for whoever is left if a partner dies. | Premium |
| Retiring abroad | Compares retiring abroad with staying — living costs, tax, and what follows you home. Households planning to retire abroad. | Premium |
Tax and company
What is owed to HMRC, what can be claimed, and the papers for the accountant.
| Feature | What it does | Plan |
|---|---|---|
| Tax and benefits | This tax year’s position for each person, and the thresholds worth staying under. | Free |
| Tax modellingPart of Tax and benefits | What a pension contribution or salary sacrifice would do against the thresholds that apply to you. | Premium |
| Tax deadlines | Deadlines and allowance windows, with what has already been done. | Free |
| The full tax-year ledgerPart of Tax deadlines | Allowance windows, what has been used, and notes against each one. Statutory deadlines are free. | Premium |
| Benefits you might get | Which state benefits and allowances this household qualifies for, and which it does not. | Free |
| Company tax planner | Models taking money out of a company as salary, dividends or loan repayment, and the tax on each. Households with a limited company. | Premium |
| Paying yourself from your company | How each way of taking money out of your company this tax year would be taxed, side by side. Households with a limited company. | Premium |
| Business owner’s checklist | Reliefs, exemptions and choices open to a company and its directors, as things to discuss with the accountant. Households with a limited company. | Free |
| The full checklistPart of Business owner’s checklist | Every item with its conditions, HMRC’s manual sections and questions for the accountant, marked and sent to the Accountant pack as an agenda. The item count and three examples are free. | Premium |
| Accountant pack | Gathers the year’s positions and open questions into one briefing to take to the accountant. Households with a limited company. | Premium |
| Tax Explorer | A searchable local copy of HMRC’s own manuals, for looking up the rule behind a figure. | Premium |
| Compare a job offer | Prices a job offer against what you earn now — salary, day rate, pension, benefits and the days worked. | Premium |
Family and handover
Who the money belongs to, and what someone else would need to know.
| Feature | What it does | Plan |
|---|---|---|
| Family | The people and companies in your household. | Free |
| More than one viewerPart of Family | Share the household with more than one other person, view only. | Premium |
| Contacts | Your solicitor, accountant, adviser and others: how to reach them and what each one deals with. | Free |
| Life events | Step-by-step lists for when something changes — a new job, a birth, a bereavement. | Free |
| More life-event playbooksPart of Life events | Step-by-step lists for an inheritance or a property sale. Bereavement, income stopping, illness, a new child and putting your affairs in order are free. | Premium |
| Handover | Everything someone would need if they had to take this over tomorrow. Printable. | Free |
| Estate and Inheritance Tax | What the estate is made of, the Inheritance Tax on it today, and what changes on 6 April 2027. | Free |
| Annual review | The once-a-year check that the plan is still the right plan. | Free |
| The full annual reviewPart of Annual review | The plan run end to end on the year’s figures, the allowances still open, the estate, the dates and the questions they raise. How the accounts moved over the year and what needs updating are free. | Premium |
| Plan record | The plan on one page, with the figures and assumptions behind it, to print or hand to someone. | Premium |
Some pages appear only for households they apply to: the company pages for a household with a limited company, and retiring abroad for a household planning it.
Register interest
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