Financial education

Finally understand
your money

Most people in their 20s and 30s were never taught about ISAs, pensions, or investing. Ofinli fixes that — clearly, directly, with no sales pitch.

10 questions · 3 minutes · no sign-up required

Your IQ result Free
7
/ 10

Strong foundations

3 knowledge gaps identified

ISA rules for expatsGap identified
Double tax treatiesGap identified
UK residency rulesGap identified
Fund fee impact✓ Understood
Pension tax relief✓ Understood
Your learning path is ready Start →
91%
of UK adults have no financial advisor
£67k
average cost of keeping savings in cash over 25 years
9M
UK adults currently missing out on investing
£9
per month to fix all of the above

From confused to confident

Four steps, starting completely free. No jargon, no scheduled calls, no pressure.

01
Free

Take the IQ test

10 questions covering ISAs, pensions, tax, and cross-border finance. Get your score and a personalised knowledge map instantly.

02
Free

Get your learning path

Based on your gaps, Ofinli builds a personalised curriculum. We start with what matters most to you specifically.

03
Premium

Learn by doing

Short lessons that end with one specific action. The AI tutor answers any question clearly, 24/7, no appointment needed.

04
Premium

Build real confidence

Watch your Financial IQ score rise as you learn. Get deadline alerts, life event guides, and ongoing insights.

Built for two underserved audiences

Ofinli serves people whose financial lives don't fit the standard UK template.

UK track

Young professionals building wealth

You're earning well but nobody explained ISAs, pension contributions, or why fund fees matter. Ofinli teaches the fundamentals clearly, starting from where you are.

  • What your payslip actually means
  • ISA vs pension — when to use which
  • How to pick your first investment fund
  • Tax optimisation on a normal salary
  • How much you actually need to retire
Global track

Mobile professionals navigating borders

You have a UK pension, a foreign bank account, and a tax question nobody can answer clearly. Ofinli is the only platform built for the financially complex life of a global professional.

  • What happens to your ISA when you leave the UK
  • Double taxation treaties explained simply
  • Pension portability — what you keep, what you lose
  • Multi-currency investing from Singapore or Dubai
  • UK tax residency — the Statutory Residence Test

Six modules. Everything you need.

Each module has short lessons, real-world scenarios, and action checklists with curated product recommendations.

💰
UK + Global · Free preview

Money foundations

How tax works, what your payslip means, emergency funds, ISA basics. The stuff nobody taught you.

📈
UK + Global · Premium

Investing from scratch

Index funds vs active, how to open a broker account, what to actually buy first and why.

Unlock with Premium →
🏦
UK track · Premium

Pension mastery

How compound growth works in your pension, contribution strategies, when and how to consolidate.

Unlock with Premium →
🌍
Global track · Premium

Cross-border money

ISA rules for expats, double tax treaties, pension portability, multi-currency investing strategies.

Unlock with Premium →
🧾
UK track · Premium

Tax intelligence

Income tax optimisation, dividend allowance, capital gains basics, self-assessment for side income.

Unlock with Premium →
📍
UK + Global · Premium

Life event guides

Moving abroad, first job, marriage, redundancy, inheritance. Specific playbooks for key moments.

Unlock with Premium →

Education, not advice

We teach you to think for yourself. That's a fundamentally different product to anything else in this space.

Ofinli — understand money
Teaches you why index funds outperform 90% of active funds
AI tutor available 24/7 — no appointment needed
£9/month — genuinely accessible to everyone
Built specifically for 22–35 year olds
Cross-border finance built in from day one
Learn at your own pace, no scheduled calls
Builds long-term confidence — not dependency
Traditional financial coaching
Tells you what to do, not why
Human coaches — expensive and scheduled
Premium pricing, not accessible
Average customer is 38+ years old
Built only for settled UK residents
Booked sessions, calendar friction
Creates dependency, not confidence

Why financial literacy matters

The advice gap is real. Ofinli exists to close it.

91%
"91% of UK adults have not paid for financial advice in the last two years — meaning most people are navigating complex financial decisions completely alone."
Source: Lang Cat Advice Gap Report 2025
£67k
"The average UK adult keeping £20,000 in a cash ISA instead of a stocks and shares ISA could miss out on over £67,000 in growth over 25 years."
Based on historical average market returns
9M
"Around 9 million UK adults hold £10,000 or more in cash savings and may be missing out on investing — 24% say they don't invest because they don't know enough."
Source: FCA Financial Lives Survey 2024
Ofinli launched in 2026. We're building in public — no fake reviews, no invented case studies. When real users share their results we'll put them here. If you take the IQ test and want to share your experience, email us at hello@ofinli.com

Simple, honest pricing

No hidden fees. No advice that's secretly a sales pitch.

Free
£0
forever
Start here. No card required.
  • Financial IQ test
  • Personalised knowledge gap report
  • Module 1 — Money foundations
  • Weekly financial literacy email
  • Full curriculum (6 modules)
  • AI tutor — unlimited questions
  • Cross-border finance hub
Most popular
Premium
£9
per month · cancel anytime
Everything you need to build real financial confidence.
  • Everything in Free
  • All 6 learning modules
  • AI tutor — ask anything, 24/7
  • Cross-border finance hub
  • Life event guides
  • ISA and pension deadline alerts
  • Progress tracking and IQ score updates
Teams
£6
per employee / month · annual
Financial wellness your team will actually use.
  • Everything in Premium
  • Admin dashboard and reporting
  • Custom onboarding flow
  • Team engagement analytics
  • Slack and HRIS integrations
  • Dedicated account manager
  • Annual contract, invoiced quarterly
For employers

Financial stress costs your business more than you think

UK employees with financial stress are less productive, take more sick days, and leave sooner. Ofinli gives your team the financial confidence to focus on their work — not their money worries.

£1.5bn
lost annually to
financial stress in the UK
60%
average employee
engagement rate
£6
per employee
per month

Find out what you don't know

Take the free Financial IQ test or subscribe to the weekly Ofinli newsletter — one financial insight every week, straight to your inbox.

Weekly newsletter — free

One email per week · No spam · Unsubscribe anytime

Financial IQ test
Honest results. No jargon. No sales pitch.
Question 1 of 100 correct so far
UK
0
out of 10
Your knowledge map

Get your personalised learning path

Subscribe to get your personalised learning path straight to your inbox — free to start, no card required.

Get your free learning path →

Unlock all 6 modules + AI tutor

Ofinli Premium — £9/month
Start your free trial
14 days free, then £9/month. Cancel anytime — no questions asked.

Ofinli Premium

14-day free trial included
£9
/month after trial
All 6 learning modules (UK + Global tracks)
AI tutor — ask anything, answered clearly
Cross-border finance hub for expats
Life event guides — moving abroad, redundancy, inheritance
ISA and pension deadline alerts
Progress tracking and Financial IQ score updates

🔒 Secured by Stripe · No charge for 14 days · Cancel anytime

Welcome to Ofinli Premium

Your account is active. You have full access to all modules, the AI tutor, and your personalised learning path.

Your financial education hub

Keep going — you've closed 3 knowledge gaps this month

7
Financial IQ
Modules in progress
2
of 6 total
Lessons completed
8
this month
Gaps closed
3
since joining
Your learning path
💰
Money foundations
Tax, payslips, emergency funds, ISA basics
80%
📈
Investing from scratch
Index funds, choosing a broker, what to buy first
35%
🌍
Cross-border money
ISA rules for expats, double tax treaties, pension portability
Up next
🧾
Tax intelligence
Income optimisation, CGT basics, self-assessment
Locked
🏦
Pension mastery
Compound growth, contribution strategy, consolidation
Locked
📍
Life event guides
Moving abroad, redundancy, inheritance, first job
Locked
AI tutor
Hi! I'm your Ofinli tutor. Ask me anything about money — ISAs, pensions, tax, investing, or cross-border finance. I'll explain it clearly.
Insights for you
ISA deadline
You have £20,000 of ISA allowance left before 5 April. Unused allowance cannot be carried forward to next year.
Fund fee alert
Switching from a 0.85% fund to a 0.15% index fund on a £50k portfolio saves roughly £60,000 over 30 years.
Your top gap
Your IQ test flagged ISA rules for non-residents. The Cross-border module covers this in detail — it's your recommended next module.

Simple, honest pricing

No hidden fees. No advice that's secretly a sales pitch.

Free
£0
forever
Start here. No card required.
  • Financial IQ test
  • Personalised knowledge gap report
  • Module 1 — Money foundations
  • Weekly financial literacy email
  • Full curriculum (6 modules)
  • AI tutor
  • Cross-border hub
Most popular
Premium
£9
per month · cancel anytime
Everything you need to build real financial confidence.
  • Everything in Free
  • All 6 learning modules
  • AI tutor — ask anything, 24/7
  • Cross-border finance hub
  • Life event guides
  • ISA and pension deadline alerts
  • Progress tracking and IQ score updates
Teams
£6
per employee / month · annual
Financial wellness your team will actually use.
  • Everything in Premium
  • Admin dashboard and reporting
  • Custom onboarding flow
  • Team engagement analytics
  • Slack and HRIS integrations
  • Dedicated account manager
  • Annual contract, invoiced quarterly