Free financial guidance, with nothing being sold to you
What we used to do case by case the app now does, free and instantly: mPF sorts out your accounts, spending and debts and shows you where to start. No sales team, no commission and no ties to any bank.
Guidance that is genuinely independent
Most of the “free advice” you will find lives off selling you a product: the advice is free because the commission is paid by the provider. mPF takes no commission, sells no financial products and has no deals with banks. It is paid for by the subscriptions of the people who use it, which is why it has no incentive to recommend you anything that does not suit you.
- No commission from providers, no products to place
- No sales reps calling you afterwards
- You are the only customer
What mPF tells you that you did not know
What makes a first read useful is not the conversation: it is having the full picture in front of you. mPF pulls together accounts, cards, loans and investments into a single view, works out where your money actually goes, what your debt ratio is and how much you can realistically save, and puts in order where it is worth starting.
- Where your money goes, categorised on its own
- Your real debt-to-income ratio and savings capacity
- Priorities ordered by impact, not by apparent urgency
Before connecting anything, try a calculator
If you would rather start without handing over any data, the mPF calculators are free and ask for no sign-up: you can work out your debt ratio, how much emergency fund you should have or how much you can save a month, in under a minute. They are the quick version of the same read the app does.
- Free calculators, no sign-up
- Step-by-step guides for each situation
- And when you want the full picture, the app is free
Frequently asked questions
Do you still give personalised guidance by email?
No. mPF stopped providing individual advice to focus entirely on the app: today all the guidance sits inside the product and is the same for everyone, with no waiting list. If you have a question about mPF, you can write to us from the contact page.
Is it really free?
You can create your account, connect your bank accounts and see your situation without paying anything or entering a card. There are paid features, but the read of your financial situation and the calculators cost nothing.
Who is behind mPF?
mPF comes out of the work of an accredited financial adviser, mortgage adviser and insurance broker, who decided to turn into a product what he used to do case by case. The difference is that the app takes no commission from any provider.
Is it safe to connect my bank?
The connection is made through an authorised provider with read-only access: mPF can see your balances and transactions, but cannot move money or initiate payments. We do not store your banking credentials and the data travels encrypted.
Will a salesperson call me?
No. There is no sales team, we do not sell your data and there are no products to place. If we ever write to you it is about something to do with your account or with content you subscribed to, and you can unsubscribe in one click.