Plum
Plum is a UK money app that helps you save and invest without having to think about it. Once you connect your bank account, it looks at what you’ve got coming in and going out, then quietly puts small amounts aside for you — without you having to remember.
For self-employed people whose income is lumpy, that’s a quiet game-changer. You don’t have to decide how much to save each month, because Plum works it out from what you can actually spare. And once you’re saving, it gives you the option to start investing too — whether that’s a Stocks & Shares ISA or a SIPP for retirement — all from the same app.
It’s particularly useful if you’ve been meaning to start saving or investing but keep putting it off because the whole thing feels too big to think about.
Best for: Self-employed people who want their money working harder in the background, without having to manage it every week.
The deal: Sign up free via The Self Employed Club.
Plum is regulated by the FCA. Capital at risk when investing — investments can go down as well as up.