HeadRoom

HeadRoom helps you work out how much of your bank balance is already spoken for, and plan what to do with the rest. Rather than just tracking past spending, it brings your income, bills, savings goals, debt and one-off expenses into a forward-looking plan. See what’s coming up, where money might get tight and what you’re likely to have left after your commitments. It works for individuals and couples, with or without joint accounts. Keep personal finances private, choose what to share and create a savings or debt plan for your partner to review before applying it. Try “what if” scenarios without changing your live plan, explore potential savings through Switch & Save, and use Ask HeadRoom to ask questions like “Can I clear this loan by Christmas?” or “What happens if our income drops?” Plan for the less regular costs too, from car insurance and back-to-school expenses to estimated electricity bills, so your plans aren’t based on an unrealistically cheap month. The aim is to make everyday money decisions clearer and help households plan together without having to share everything. Irish-built, with read-only connections to supported European and UK banks. HeadRoom helps you plan; it doesn’t move your money.