Most financial tools earn money from your decisions.Franky doesn't. And that changes everything.

Whether it's an app nudging you toward a premium account, an AI owned by a company with financial industry partnerships, or an adviser paid on commission — getting genuinely useful money guidance has always come with something attached. Franky was built to change that.

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The problem

Every financial tool has a business model built around your decisions.

Banks recommend their own products. Comparison sites earn referral fees. Financial apps make money when you upgrade or take out a product they've partnered with. Even general AI assistants are owned by companies with commercial interests in financial services.

Franky is a not-for-profit project. It has no financial products to sell, no referral fees, no commission structure. It exists to give everyone access to the kind of honest financial thinking that used to cost £200 an hour.

The independence isn't a promise. It's how the project was built from day one.

What makes Franky different

Three things. No other tool does all three.

Structurally independent
Not-for-profit, donation-supported, and with no financial products to sell. There is nothing Franky can recommend that earns Franky more money. Every answer exists only to help you think more clearly about your money.
Understands how you think about money
General AI tools remember facts. Franky profiles your money psychology — your habits, instincts, and blind spots — and changes the substance of every answer. A cautious saver and an impulsive spender asking the same question get meaningfully different guidance.
Built for your market
UK ISAs. Singapore CPF. US 401ks. Australian superannuation. Canadian TFSAs. Generic AI hedges into uselessness. Franky knows the thresholds, deadlines, and local rules for 7 specific markets — in your currency, with the right regulatory context.
The honest comparison

How Franky compares.

Franky Financial app General AI Financial adviser Comparison site
Not-for-profit ✓ ✗ ✗ ✗ ✗
No products to sell ✓ ✗ ✓ ✗ ✗
No referral fees or commission ✓ ✗ ✓ ✗ ✗
Profiles your money psychology ✓ partial ✗ sometimes ✗
Market-specific depth (7 countries) ✓ partial partial one market partial
Free, no paywall ✓ freemium freemium ✗ ✓
Available 24/7 ✓ ✓ ✓ ✗ ✓
Franky in action

One question. Two very different answers.

Should I overpay my mortgage or put money in an ISA?
ChatGPT

Both options have merit. It depends on your interest rate, risk tolerance, and financial goals. Generally speaking, if your mortgage rate is higher than expected investment returns, overpaying may be beneficial...

Franky

At your income level, pension beats both before we even get to this question — you're handing HMRC 40p of every pound above £50,270, and a pension contribution gets that back immediately. Once pension is maxed, then ISA over mortgage unless your rate is above 5.5%. What's your current pension contribution?

Franky isn't regulated financial advice. For significant decisions — remortgaging, pension drawdown, large investments — speak with a regulated adviser. What Franky gives you is the financial literacy to walk into that conversation knowing exactly what questions to ask.

Free. Independent. Built for you.

No products to sell. No agenda. Just honest answers about your money — supported by people who believe financial clarity should be freely accessible.

Ask Franky free →