D&B Langford Money
AI budgeting for UK households

Take control of your money with AI

Rising costs and changing income make money harder to organise. D&B Langford Money turns your spending into a clear personal budget plan, with pounds sterling, practical forecasts and savings ideas that fit your life.

Start planning See how it works

Built for UK residents. Your example stays on this page.

Your monthly view

£2,480.00

Essentials

£1,240

Flexible

£744

Goals

£496

Suggested split

On track
Needs50%
Wants30%
Future you20%
Guidance shaped around your figures
UK GDPR awarePrivacy comes first.
Protected dataBank-level encryption.
10,000+ budgetsCreated by UK users.
Rooted locallyVale of White Horse, nationwide.

One calm place for your money

Everything you need to master your money

Pick the part that needs attention today. Each tool gives you a useful next step.

AI Budget Planning

Build a personal budget around bills, habits and the goals that matter this month.

Plan your month

Expense Tracking

See recurring payments, everyday spending and subscriptions before they drift.

Track spending

Financial Forecasting

Look ahead with a cash-flow view that handles changing pay and irregular income.

Forecast ahead

Savings Optimisation

Set a target, choose a date and get a manageable amount to put aside.

Shape a goal

Investment Goal Setting

Organise long-term aims, including ISA plans, with clear figures and sensible milestones.

Set a direction

Made for real households

Built for your life stage

Your priorities change. Your plan should keep up.

Couples and families

Give shared bills, separate spending and family goals a single view.

Plan together →

A quick illustration

See your potential savings

Move the figures. See a simple 50/30/20 suggestion in pounds. Nothing is saved or collected.

Your illustrative room

£1,200

That is the amount left after essentials. A full plan can account for bills, habits and changing income.

Get a full AI plan

Small changes add up

Real people, real progress

Clear numbers make decisions easier. Results depend on each person's circumstances.

“

I found the categories I was missing and cut my unplanned spending by 25% in two months.

Kaely M.

Oxford, professional

“

Why did we choose D&B Langford Money? Because it gave our household one clear place for holiday savings and weekly spending. We stopped guessing and set a date eight months away. The plan felt manageable from the first week.

Mikeandjenny Yanez

Vale of White Horse, household

“

D&B Langford Money helped me see the quiet months before they arrived. I changed my monthly target and stopped dipping into my tax pot.

Taurean Thayyil

London, freelance designer

Four clear steps

How D&B Langford Money works

Start with the information you already have. You stay in control throughout.

01

Connect or enter

Use Open Banking or add figures manually. You decide what to share.

02

Spot the pattern

AI reviews income, bills and spending habits to find a useful shape for your month.

03

Receive your plan

See a tailored budget alongside a cash-flow forecast in pounds sterling.

04

Adjust as life changes

Change a goal or income figure and let the plan respond with you.

Personal finance team discussing household budgets in a bright Oxfordshire office Small group reviewing a monthly budget with printed figures around a table

Local roots, useful technology

Built by people who care about UK money

D&B Langford Money is based on Warborough Road in the Vale of White Horse, Oxfordshire. We combine personal finance experience with practical technology so everyday money guidance feels clear.

Our design works for different incomes, households and levels of confidence. No jargon parade.

Meet the team

A little encouragement

What our users say

“The forecast made my variable pay much easier to understand.”

Cabdulaahi M.

Reading

“I finally gave my emergency fund a realistic monthly target.”

Tarha F.

Bristol

“The subscription view showed me where my budget was quietly leaking.”

Sylvy C.

Manchester

“It is simple enough to check between errands.”

Karlos P.

Cardiff

Clear answers

Frequently asked questions

We use privacy-conscious processes, bank-level encryption and UK GDPR-aware handling. You choose whether to connect an account or enter figures manually.
No. Manual entry is available for people who prefer to keep their banking separate.
A spreadsheet records figures. D&B Langford Money helps interpret patterns, adapt to changes and connect everyday spending with future goals.
Yes. Forecasting can reflect changing pay, freelance invoices and quieter months.
No. The service provides general financial guidance and planning tools. It is not regulated personal investment advice. Consider regulated advice for recommendations about specific investments.
Yes. Contact the team if you need help with your account or plan.

Practical starting points

Explore our specialist guides

Choose a topic and make your next money decision clearer.

Shared goals

Make room for joint plans without losing sight of personal spending.

Renter essentials

Build an emergency buffer around rent, deposits and moving costs.

Freelance income

Create a steadier monthly view when invoices arrive at different times.

Repayment focus

See your commitments clearly and keep progress visible.

Start your journey today

A clearer month begins with one useful figure. Build your personal budget plan in pounds and take the next step with confidence.

Start planning Contact us
+44 7700 172101 [email protected]

Guidance for planning and education only. This service does not provide regulated personal investment advice.