What is safe to spend?
See what remains after the bills and essentials you still need to cover.
YOUR INVITATION TO HELP SHAPE D2W
Our founding-member beta begins .
We’re inviting 20 founding members, including existing testers. Selected members will receive their access codes by email on that day.
Free, invitation-only beta · UK 18+
Go beyond budgeting.
Take control.
Control · Reset · Save · Invest
D2W is a financial wellbeing app designed to help you understand your money, build better habits and work towards lasting financial stability.
We’re starting with CONTROL, helping you see what your money needs to cover and prepare for what comes next.
Free private beta Enter figures manually Not a loan application
Your balance is only one number
Your bank balance does not tell you the whole story.
Money can look available while bills, food, travel and debt payments are still waiting. D2W is designed to show the commitments behind the balance—without blame, noise or financial jargon.
Will my money last?
Look ahead to your next payday and spot pressure before it becomes a problem.
What do I actually owe?
Put every balance, payment and target date in one clear debt map.
Am I moving forward?
Track whether your position is improving, standing still or becoming less stable.
How it works
Plan your budget before payday.
Three steps to see what your money needs to cover. Update your figures as life changes.
Add your real figures
Enter your account balances, income, bills, everyday spending, debts and savings. The first beta uses figures you enter manually.
See the full picture
D2W turns those figures into a budget, Safe-to-Spend amount, cash-flow forecast and debt map.
Take the next clear step
Build a habit of checking in, prepare for upcoming costs and track your progress towards financial stability.
Inside D2W
Explore CONTROL, the first phase of D2W.
Preview your daily spending estimate, account balances, bills, debt map and savings goals. Choose a screen to explore with fictional example figures.
Explore the D2W example appFictional figures · Early MVP
Know what is already spoken for.
See your Safe-to-Spend estimate after the bills, debt payments and everyday budgets you entered. Look ahead to your next income date.
D2W · Today
The change we want to create
From financial guesswork to a clearer next step.
Before
“I think I can afford it.”
With D2W
“I know what is already spoken for.”
Before
“My debt feels endless.”
With D2W
“I can see the balances and a target date.”
Before
“I only react when money runs out.”
With D2W
“I can see pressure coming earlier.”
The longer direction
Your financial health. Back in your hands.
Our wider vision brings together CONTROL, RESET, SAVE and INVEST in one app, supporting your journey from financial pressure towards stability and long-term wealth.
Debt finance and managed investing are planned future services. They are not available through this prototype.
A future concept, not a current offer. We are separately researching RESET: a possible future 0%-contractual-interest debt-replacement product. It is not currently available, funded, approved or open for applications.
01
Control
Understand your money and plan your next step.
02
Reset
Work towards a stronger position. Future finance is being researched.
03
Save
Plan for a reserve and the things that matter to you.
04
Invest
Our longer-term ambition. Investment services are not available.
Who we’re building with
Useful for real life. Deliberately focused.
D2W may suit you if…
- You live in the UK and are 18 or over
- You want a clearer view of bills, spending, debts or savings
- You are comfortable entering figures manually
- You want to help shape an early product through honest feedback
It is not designed to…
- — Move or hold your money
- — Provide regulated debt advice
- — Guarantee that you will become debt-free
- — Offer or assess you for credit
From your feedback to our first release
Build it with us.
- 01 · Test & shape
Two months together
–
Try the manual beta in everyday life. Tell us what helps, what frustrates you and what’s missing.
- 02 · Improve
Refine the first version
December 2026
We’ll use your feedback to improve D2W and share “You said → We changed” updates.
- 03 · Launch
V1 + Premium
Planned for
Our target for the first full version and Premium app membership. We’ll let members know if the date changes.
The founding-member programme
Help us build it right.
Apply for the free private beta, running from 28 September 2026 to 28 November 2026. Existing testers are welcome and count towards the same 20 places. We will confirm selection separately by email.
Our thank-you for taking part
12 months of D2W Premium, free.
For selected founding members who complete two short feedback forms and one 20-minute conversation, or its written alternative, during the beta. Honest criticism counts equally.
Premium is planned with V1 on 1 January 2027. Your full year starts when Premium is activated for you, even if launch moves. No payment details required. No automatic paid renewal.
Premium is in development; this reward depends on it launching.
Read the participation and Premium offer termsConfirming your email joins the applicant waitlist. Your invitation will explain how to create an app account and use your beta code.
Free to apply. No purchase required.An application does not guarantee selection or a Premium reward. It is not a credit application and gives no priority for future financial products.
Questions, answered plainly
Your questions about D2W.
When does beta testing start, and how do I get access?
Beta testing begins on 28 September 2026. Invited testers will receive an email with their individual access code on that day. Use the invitation link or open the beta app, create and confirm your D2W account, then enter your code. Register with the email address that received your invitation. Keep your code private.
The beta feedback period runs until 28 November 2026. It is free and uses figures you enter manually. Joining the applicant waitlist or verifying your email does not guarantee one of the 20 places or unlock the app.
How does D2W estimate what I can spend before payday?
D2W uses the balances, bills, debt payments, everyday budgets and next income date you enter to estimate what remains after your planned commitments. The result depends on your figures being complete and up to date. It is a planning estimate, so check your bank balances and upcoming payments before spending.
Can I include balances from different bank accounts?
Yes. My plan brings your manually entered account names and balances together with your bills and everyday budgets. Keep one record per account, even if it has several debit cards. Confirm unchanged balances at check-in and update the ones that changed. Balances do not update automatically, and you do not enter card numbers, security codes or bank passwords.
Is D2W a bank or lender?
No. D2W is currently an early-stage financial wellbeing app with tools for budgeting, debt visibility and savings progress. It does not hold money, offer credit or make lending decisions.
Do I need to connect my bank account?
No. The first beta is manual. You decide which figures to enter and can change them whenever you need to.
Is the beta free, and when does Premium launch?
Applying and taking part in the private beta are free. The beta feedback period is 28 September 2026 to 28 November 2026, followed by improvements in December. The first full version and Premium app membership are planned for 1 January 2027. This is a target date and may change; Premium is not available yet.
How do I earn the free year of Premium?
Be selected for one of the 20 founding-member places and complete two short feedback forms plus one 20-minute conversation or its written alternative during the beta. We’ll explain and arrange these activities with selected members. Existing testers can join on the same terms. Constructive criticism is just as valuable as positive feedback; no public review is required.
The reward covers 12 months of the D2W Premium app plan, starting when Premium is activated for you. No payment details or automatic paid renewal are required. If launch is delayed, the year starts later; if Premium is cancelled, there is no Premium access or cash substitute. Read the full offer terms.
What does being a founding member mean?
You help shape D2W by trying the app, sharing your experience and discussing what would make it useful. We’ll show how feedback influences our decisions through “You said → We changed” updates. We can’t promise to build every suggestion. Founding membership recognises your early contribution; it does not give ownership, shares or priority for financial products.
Will joining help me qualify for RESET later?
No. RESET is only a future research concept. Joining D2W, paying for any future app plan or spending more time in the app must not buy approval, a larger amount, priority or preferential treatment.
Does D2W give debt advice?
No. The beta is designed to organise information and show neutral illustrations. It does not tell you to choose a particular regulated debt solution. If you need debt advice, speak to a free authorised debt-advice provider.
What happens after I join?
We will send you an email-verification link. After you confirm your address, you will return here and see that you are on the founding-member applicant waitlist. We will email selected members their access codes on 28 September 2026. Participation is voluntary; the Premium reward requires the feedback activities described above. Optional marketing and invitations to other research are separate from programme messages. Applying does not guarantee selection.