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Cash Coach gamifies saving. AI technology is used to set realistic saving targets and provide user specific coaching. The app is targeted at millennials with mid-range income. Cash Coach is fun to use, includes free, £2.99/m and £6.99/m plans and is designed to generate a loyal following.

  • Uses gamification and coaching to make saving fun and engaging
  • Helping to address the Covid-19 crisis that will financially hit millennials
  • Founded by ex-IBM, pwc, UBS and serial entrepreneurs
  • Backed by fintech angels and entrepreneurs with successful exits

Idea

Millennials have inherited a tough economic context: rapid inflation of university fees, rent, and stagnating salaries.
Millennials have inherited a tough economic context: rapid inflation of university fees, rent, and stagnating salaries.
Social media pressurises millennials to have a lifestyle they cannot afford.
Social media pressurises millennials to have a lifestyle they cannot afford.
We believe technology progress is here to help corporates sell more. Not to help people save.
We believe technology progress is here to help corporates sell more. Not to help people save.
Millennials like apps that are social, engaging and fun.
Millennials like apps that are social, engaging and fun.

The Problem

Our society has entered the era of “instant gratification” where millions of millennials are enjoying the present days without feeling the urge to save for the rainy days. They spend more than 2h/day on social media, and less than 2 min looking at their finances. Budgeting apps are too boring to catch their attention: 95% of people stop using them after 2 months.

The majority of millennials live paycheck to paycheck and we believe they have lost any hope of building any wealth.

We don’t want our generation to be called the “broke generation”.

Our solution

We created a “fintech mobile game” where the goal is to save as much as you can from your real-life income to level-up your in-game avatar. Each avatar will gain personality traits based on your spending behaviours. For example, it would get drunk if you spend too much in bars.

The app is free to play; advanced users can improve their saving performance by upgrading to a premium plan:

Advanced analytics: £2.99/m

AI coaching: £6.99/m

We want Cash Coach to become the trusted champion of all millennials, and create a marketplace of services (such as utility switch, remortgage...) that will save them money, and earn us a commission.

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This pitch is approved by Crowdcube

This pitch is approved as a financial promotion by Crowdcube Capital Limited. Every pitch on Crowdcube is reviewed to ensure it is fair, clear and not misleading.

As part of our commitment to investor transparency, Crowdcube’s Due Diligence Charter outlines the analysis and verification that is conducted on equity fundraises on Crowdcube by our legal and compliance professionals.

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Risk warning

Investments of this nature carry risks to your capital, including illiquidity, lack of dividends and dilution. Balance risk with a diversified portfolio. Read more. Approved as a financial promotion by Crowdcube Capital Limited, which is authorised and regulated by the Financial Conduct Authority.

Investment opportunities are not offers to the public and investors must be eligible Crowdcube members. Further restrictions and Crowdcube's limitation of liability are set out in the Investor Terms and Conditions. Please seek independent advice as required as Crowdcube does not give investment or tax advice.

Cash Coach has been given advance assurance by HMRC that the proposed share issue is likely to qualify for Enterprise Investment Scheme (EIS) tax relief.

Tax relief is available to individuals only, with income tax relief currently set at 30 per cent of the cost of the shares for the tax year in which the investment was made. The tax reliefs can also reduce your Capital Gains Tax bill. Read More.

Availability of tax relief depends on your individual and the company’s ongoing circumstances and applicable law.

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Crowdcube Capital Ltd is authorised and regulated by the Financial Conduct Authority (No. 650205).