Financial Fitness Passport starts with a short self-assessment that gives you a score showing where you stand with money. The free level shows your score, while the Pro plan unlocks a full roadmap, planning tools and coaching from an AI assistant called Penny.
It also offers a personalised retirement number and smart calculators. You never need to link bank accounts, and you can export or delete your data. It suits individuals who want structured money guidance with a privacy-first approach.
