Get free access to InvaPay months before public launch.
All we ask is for a few minutes of feedback each week to help us build the best invoicing experience for UK businesses.
Know that your plan truly works, without second-guessing yourself.
One real-time balance across all your accounts, after bills, goals and life.
Stay on top of your money without turning it into homework.
Fewer categories, fully automated, zero admin.
Spend freely, knowing tomorrow is quietly taken care of.
Money set aside automatically for holidays, plans and big moments.
Smart Bill & Subscription Tracking
Auto-Categorised
Spending
Splits, Refunds and Shared Spending
Trackable Goals & Intelligent Insights
…and many more.
It's a score between 0 and 100 that shows how financially healthy you are. Not just how much money you have, but your habits, your plan, and the direction things are heading. It runs across seven bands from Under Pressure to Thriving, and it updates as your financial life does. It's an honest, ongoing read of where you actually stand.
A credit score tells lenders whether they should trust you with their money. Your InvaPay Health score has nothing to do with lenders. It doesn't look at your credit history, and it won't affect your credit rating. It's something different entirely: a measure of your own financial wellbeing, built around your life, your plan, and how the two line up.
Yes. It updates every day. But it's not just reacting to what happened yesterday. It looks at months of data, so it tracks patterns and direction rather than single moments. It also gets more accurate the longer you use Invapay Ltd. It starts from a sensible baseline then settles after a few months to become a close reflection of your real financial picture. It's built to move with you.
It's a single number that shows where you actually stand once your whole financial plan is taken into account. Not just what's sitting in one account, but the real picture – what's coming out, what's set aside, and what's genuinely available. It updates as your plan does, so it's always current.
Your bank balance only shows what's in your account right now. It doesn't know about the bills going out later this month, or the money you're keeping back for something specific. So it can look fine when things are tight, or tight when things are actually fine. The InvaPay Balance takes all of that into account. It's a more honest answer to the question most people actually want to ask.
Not necessarily. It means your plan currently costs more than what's available once everything is counted – which is worth knowing. Most people who see it for the first time find it explains a feeling they've had for a while. The app helps you understand what's behind it, and what to do about it.
A Living Budget is how InvaPay helps you track your day-to-day spending – the things you buy regularly throughout the month, like groceries, transport, and eating out. Unlike a list of bills, which are fixed and predictable, a Living Budget covers the spending that shifts and flows with real life. It's where you see what your life actually costs, and where small changes can make a real difference over time.
Your bills (rent, utilities, subscriptions, direct debits, etc.) are handled separately as Fixed Outgoings. A Living Budget is for everything else: the spending you choose, the things that vary, the day-to-day. Keeping them apart means you always know which costs are locked in and which ones you have real control over.
Not manually, no. InvaPay categorises your transactions automatically. You'll occasionally want to check they've landed in the right place (especially early on) but it's a quick sense-check rather than a daily task. The aim is to give you a clear picture of your spending without making that picture a chore to maintain.
That's exactly what we is built for. You can adjust your Living Budget at any time, and it's expected that you will – seasonally, as your life changes, or simply as you learn more about your own habits. The app shows you what you've been spending on average, so your adjustments are always grounded in something real rather than just a guess.
Envelope budgeting is a way of setting money aside for specific things before you need to spend it. The idea comes from the simple habit of dividing cash into physical envelopes, each labelled for a different expense. One for the car insurance, one for the holiday, one for Christmas...
Invapay Ltd does the same thing, but digitally. Instead of stuffing cash into envelopes, you create them in the app and decide how much goes into each one every month. When the expense arrives, the money's already there.
It means that you're putting money aside each month for every aspect of your life, so each month feels the same.
No. Your money stays exactly where it is, in whichever bank account you choose. InvaPay tracks what's earmarked for each envelope – but it never touches or moves your money on your behalf. You stay in full control.
It saves you from using lots of 'pots' in your bank (although you can still do this too if you like).
Yes. Whether it's a house deposit, a holiday, or something smaller, you can attach a goal to an envelope – set a target amount and a date, and InvaPay will tell you how much to put away each month to get there. If you don't have a date in mind yet, tell it what you can afford each month and it'll show you when you'll reach your target.
Yes. For annual bills, InvaPay simply divides the expected cost into monthly amounts so nothing catches you off guard. For savings goals, it calculates a monthly figure based on what you want and when you want it.
Through open banking, which links your accounts securely and keeps your balances and transactions updated automatically. Invapay Ltd uses Yapily as its open banking provider, which covers most major UK banks. If you bank somewhere that isn't supported, or you prefer, you can also add accounts manually.
Setup takes most people around 15 to 20 minutes to get the basics in place – accounts connected, budgets set, a few envelopes added. You don't have to get everything perfect on day one. The app will guide you through it, and you can always come back and fill in more later.
All types. Invapay Ltd is designed to give you a view of your entire financial life in one place. That includes everyday bank accounts, credit cards, savings accounts, ISAs, investments, mortgages, and loans. If it's part of your financial life, there's a place for it in Invapay Ltd.
Most everyday bank accounts and credit cards connect instantly via open banking, keeping your balances and transactions updated automatically. For investment accounts and some others, you can add them manually in just a few steps.
Invapay Ltd is designed for personal finances rather than business accounts. If you're self-employed and have income or outgoings that affect your personal finances, Invapay Ltd can still help you plan around those – but it isn't built to manage business accounting.
Yes. Account connections are handled by Yapily Connect Limited, a company authorised and regulated by the Financial Conduct Authority. The connection is read-only, which means Invapay Ltd can see your balance and transactions but has no ability to move your money. The Invapay app itself has been independently tested for security vulnerabilities by a third party, with none found.
Open banking is a secure, regulated way for apps to connect to your bank account with your permission. It keeps your balance and transactions updated automatically, without you having to share your banking password with anyone. It's used by a wide range of financial services and is governed by strict FCA regulation.
You can still add it. Any account that isn't supported by open banking can be added manually in InvaPay. You enter the balance yourself and update it when you need to. It takes a little more upkeep, but it means nothing has to be left out.
Anything that leaves your account automatically on a regular basis. That includes direct debits set up by a company and standing orders you've set up yourself. Rent or mortgage payments, council tax, energy bills, insurance, streaming services, phone contracts – if it goes out without you triggering it each time, it's a fixed outgoing.
Invapay Ltd is a personal finance app that connects to your bank, keeps track of your spending, and gives you a Invapay Health score and insights built around your actual situation – not some generic budget template.
Most budgeting tools either ask too much of you or assume everyone lives the same life. Invapay is trying to take that pressure off. We categorise your transactions, build a picture of your real life, and give you guidance that moves with you as things change.
Invapay Ltd isn't a bank. Invapay Ltd can't hold your money, move it, or lend it. It connects to the accounts you already have and works with what's there. Unlike a lot of finance apps, it doesn't earn commission from selling or promoting products, and we absolutely don't sell your data. The only thing it earns is your subscription – which means everything it shows you is in your interest, not anyone else's.
We know connecting your bank accounts can feel like a big step. We take that seriously.
Here’s what’s going on under the surface:
Invapay Ltd works with regulated providers and is registered with the FCA as an agent of Yapily.
Your bank connections are read‑only. Invapay Ltd can see what it needs to categorise transactions and show insights; it cannot move your money.
Some of your data (including parts of your banking data) isn’t visible to us as people – it’s processed by the systems that need it and protected accordingly.
An accredited independent company has performed penetration testing on the app and found no vulnerabilities or risks.
Good question and we're asking our Open Banking provider. We'll let you know the answer soon.
£5.99 a month.
If you pay for the year upfront, we'll give you two months free on us, meaning you'll only pay £59.90.
It's that simple. There's one subscription – one price. Everything in the app is included. Nothing is locked behind a higher tier, and nothing costs extra.
Invapay Ltd doesn't earn commission from financial products and doesn't sell your data. The subscription is the business model, which means there's no incentive to point you towards anything that isn't genuinely right for you.
Before you commit to anything, you get 30 days completely free – full access, no charge, no obligation. If it's not for you, you can walk away without paying a penny. We're confident you'll find it useful, but the free trial exists so you can decide that for yourself.
Most people have a rough sense but not a real answer. Invapay's Money Flow feature shows your expected monthly income against your planned monthly expenditure in one view – so you can see clearly whether the lifestyle you're living is within your means, and by how much.
Yes. It's one of the things Invapay is built to show you clearly and simply. At the top level, we show you this in the ‘Money Flow’ section on the dashboard.
