Moli is a financial wellbeing app being built in the UK by Cheetham Cox for iPhone and Android. Designed for people who find money decisions confusing or intimidating, it helps users see how their finances may relate to the life they want to live. Rather than focusing on account balances, budgets or transactions, Moli builds an illustrative picture of a person’s financial life from today onwards.

Users answer short, plain-language questions about areas such as housing, relationships, work, income, spending, pensions, investments, debt and future plans. As they share more, the app’s picture becomes more complete and its range of possible outcomes narrows. No bank login, receipts or financial jargon are required, and users can choose which topics to explore and when.

Moli is not a budgeting or trading app, does not recommend buying or selling, and does not provide financial advice. Its figures remain examples unless users connect a real account. The app is in development, with its waitlist expected to open soon.