Features and plans
Everything Oxygene Finance does, grouped as it is in the app, and the plan each part is in. Free keeps working; it is not a trial. Pricing to be announced.
Sharing with a partner
Every household, on every plan, can share a view-only seat with one partner. The partner sees the household at the owner's plan, but it gives them no plan for a household of their own. After a partner seat ends, it can be given to someone else 30 days later.
Home
Where things stand today, and what has changed.
| Feature | What it does | Plan |
|---|---|---|
| Dashboard | The one-screen summary: what you own, what you owe, and how it moved. | Free |
| Insights | Reads your figures and says what stands out. | Free |
| Action Ledger | Deadlines and allowance windows, with what has already been done. | Free |
| The full tax-year ledgerPart of Action Ledger | Allowance windows, what has been used, and notes against each one. Statutory deadlines are free. | Premium |
| Journal | A note of each decision and why it was made, so it can be understood later. | Free |
| Glossary | Plain-English meanings of the terms we use. | Free |
Money & Property
Everything the household actually owns, and whether the figures are right.
| Feature | What it does | Plan |
|---|---|---|
| Accounts | Every bank, savings and investment account, its balance and whose it is. | Free |
| Portfolio | The individual investments held, with their latest market values. | Free |
| Allocation | What the money is invested in — shares, bonds, cash, property — rather than where it is kept. | Free |
| Performance | How the investments have done, and whether they still hold what was intended. | Free |
| Property | Homes and rentals, their values and the mortgages against them. | Free |
| Companies | The balance sheet and reserves of each limited company in the household. Households with a limited company. | Free |
| Selling assets | Works out what selling investments to raise a sum would cost in capital gains tax. | Premium |
| Data Health | Shows which figures disagree with each other and which nobody has checked recently. | Free |
Plans & Goals
What the money is for, and whether it gets there.
| Feature | What it does | Plan |
|---|---|---|
| Budget Planner | Money in, money out and what is left to save, tracked month by month. | Free |
| Safety Net | If the income stopped today, how long the household could carry on and from which pots. | Free |
| Goals & Protection | The dated things being saved for — school fees, a car, a wedding — and the cover behind them. | Free |
| Debt & Cashflow | What is owed, when each payment falls due, and whether the money is there on the day. | Free |
| Retirement Planning | The projection of when work becomes optional, and how confident that answer is. | Free |
| Simulations, stress tests and what-ifsPart of Retirement Planning | Thousands of simulated futures, market falls and changed assumptions, on top of the free year-by-year projection. | Premium |
| Saved retirement scenariosPart of Retirement Planning | Keep several versions of the plan side by side and compare them. | Premium |
| ISA or Pension? | Prices both routes on your own figures and names the trade-off between them. | Premium |
| Survivor planning | Tests whether the plan still works for whoever is left if a partner dies. | Premium |
| Retiring abroad | Compares retiring abroad with staying — living costs, tax, and what follows you home. Households planning to retire abroad. | Premium |
Tax & Company
What is owed to HMRC, what can be claimed, and the papers for the accountant.
| Feature | What it does | Plan |
|---|---|---|
| Tax & Benefits | This tax year’s position for each person, and the thresholds worth staying under. | Free |
| Tax modellingPart of Tax & Benefits | What a pension contribution or salary sacrifice would do against the thresholds that apply to you. | Premium |
| Entitlements | Which state benefits and allowances this household qualifies for, and which it does not. | Free |
| Tax Explorer | A searchable local copy of HMRC’s own manuals, for looking up the rule behind a figure. | Premium |
| Accountant Pack | Gathers the year’s positions and open questions into one briefing to take to the accountant. Households with a limited company. | Premium |
| Offer Compare | Prices a job offer against what you earn now — salary, day rate, pension, benefits and the days actually worked. | Premium |
| Company Planner | Models taking money out of a company as salary, dividends or loan repayment, and the tax on each. Households with a limited company. | Premium |
| Paying yourself from your company | How each way of taking money out of your company this tax year would be taxed, side by side. Households with a limited company. | Premium |
Family & Handover
Who the money belongs to, and what someone else would need to know.
| Feature | What it does | Plan |
|---|---|---|
| Family | The people and companies in your household. | Free |
| More than one viewerPart of Family | Share the household with more than one other person, view only. | Premium |
| Life Events | Step-by-step lists for when something changes — a new job, a birth, a bereavement. | Free |
| More life-event playbooksPart of Life Events | Step-by-step lists for an inheritance or a property sale. Bereavement, income stopping, illness, a new child and putting your affairs in order are free. | Premium |
| Handover | Everything someone would need if they had to take this over tomorrow. Printable. | Free |
| Annual Review | The once-a-year check that the plan is still the right plan. | Premium |
Some pages appear only for households they apply to: the company pages for a household with a limited company, and retiring abroad for a household planning it.
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