See how your money is actually split
Once you hold more than three or four accounts, the useful questions stop being 'what is my balance' and become 'how much of this is in ISAs', 'how much sits with one banking group' and 'what is all of it earning'. Oinkly's analytics answer those from the accounts you already track.
The breakdowns Oinkly builds
Your portfolio is grouped several ways at once, because each grouping answers a different question. By provider and banking licence, for FSCS exposure. By tax wrapper — cash ISA, stocks and shares ISA, pension, taxable savings — because that drives how the interest is taxed. By account type and access, so you can see how much is genuinely reachable this week versus locked in a fixed term.
Interest projections work from the rate and balance on each account, giving an estimated annual return for the portfolio and for each wrapper. Taxable interest is shown separately from interest earned inside an ISA, which is what makes the Personal Savings Allowance easy to sanity-check.
- Net-worth history, with month-on-month and year-on-year change
- Split by provider, banking licence, wrapper, account type and access
- Estimated annual interest, split into taxable and tax-free
- ISA subscriptions used against the current tax-year allowance
- Concentration and FSCS headroom per banking group
Reports you can keep
The reporting centre turns the same data into dated reports — net worth, interest summary for a UK tax year, account listings and property or liability breakdowns — which you can export as PDF or CSV for your records, an accountant or a mortgage application.
Property, other assets, liabilities and the deeper reporting tools are part of the Big Pig plan; core net worth, savings tracking and FSCS monitoring are available on the free tier.
Frequently asked questions
Are the interest figures guaranteed?
No. Projections are estimates calculated from the rates and balances you record, and they assume nothing changes. Variable rates move and providers can change terms, so treat the numbers as a guide rather than a forecast.
Does Oinkly handle the UK tax year?
Yes. Interest summaries and ISA allowance tracking run to the UK tax year ending 5 April, not the calendar year, so the figures line up with what HMRC expects.
Can I export the analysis?
Yes. Reports can be exported as PDF or CSV. Oinkly does not give financial, tax or investment advice — the reports describe your own recorded position.
Related
- Account Management — Record savings accounts, current accounts, cash ISAs, fixed-rate bonds, Premium Bonds and pensions in one UK tracker, with rates, maturity dates and balance history.
- Rate Monitoring — Keep track of the rate on every UK savings account you hold, spot bonus rates expiring and fixed bonds maturing, and get alerted before a cut costs you interest.
- Help: net worth history
- All Oinkly features
- Try the personal savings allowance calculator
- Back to Oinkly