Budge Up

A Revolution in Student Budgeting.

Most budgeting tools expect you to have a monthly paycheck, a boring job, and a predictable life. But being a student is a series of high-stakes survival missions.One week, you're practically a millionaire. Next, you’re staring at a £4 balance and a 3-week gap until the next loan. Your rent and your part-time income have a timetable of their own. Oh, and that number in your bank account? It doesn't have a clue whether you're sticking to that budget you set for yourself on September 15th.Existing budgeting tools are failing us. It's time to take this into our own hands.

• Manifesto
• Student Access
• University Partnerships

The Manifesto

We're here for one reason. To fix a broken system and bring money clarity to student life.No Monthly Cycles: From termly home Student Loans to £30k international tuition fees sitting in the bank – we speak the language of the student situation.Expected Income: We know that budgets often fall through because often students will have the cash, just not yet! We don't just track what you spent; we show you how much you're going to have.The "£0 Date": We find your financial "cliff edge" before you fall off it. When it comes to avoiding the red (or maxing out your interest-free overdraft!), we do the maths so you don't have to.

Want to Try the Prototype?

Traditional budgeting methods, from banking apps to spreadsheets, just show you the past. How helpful is it to see how much you spent on food last month when you've got no money in the bank?Budge Up gives you forward-looking financial clarity with zero stress and zero effort. It gives you the agency to spend and save guilt-free. Enter your name and email below, and we'll sign you up to test our next prototype!

University Partnerships

While we exist to help students, we also protect their University's bottom line. How? Financial stress is one of the leading causes of withdrawals. When a student drops out, it costs the individual their aspirations, and the University thousands in tuition fees.Triage to Money Advice: We deliver students to your team already equipped with clarity around the support they need and when they'll need it, reducing the administrative burden during peak periods, and enabling a proactive approach to student support.Retention Infrastructure: Our pilot provides anonymised, faculty-level data to help you identify student financial "crunch points" weeks before they become drop-out risks.Free at the Point of Use: We believe financial clarity is a right, not a luxury. That's why Budge Up is 100% free for students. Instead, we operate on a B2B SaaS licensing model with University partners who benefit from improved academic engagement and reduced drop-out rates.

From Crisis to Clarity

For students, Budge Up lies low as a pocket assistant for day-to-day spending decisions. But when a laptop breaks or a parent stops sending money, Budge Up steps up instantly show options A, B, and C. By giving students clarity, we put them back in control.For partner Universities, Budge Up is a forecasting engine built to protect your students from reaching financial crises. In just three simple steps, we bridge the gap between student anxiety and institutional support through a private, self-referral model.1) Forecast: Students forecast their balance so they can easily work out whether they are on track with financial goals.2) Alert: When a financial crisis is identified weeks in advance, Budge Up prompts the student to self-refer to University support.3) Connect: Students overcome any denial and arrive at support appointments with financial clarity, making triage 5x faster for staff.

Institutional-Grade Security & Compliance

We prioritise student privacy and institutional trust above all else.Aggregated Insights: Universities receive high-level trend data only. No personally identifiable information (PII) is ever shared.Data Minimisation: We only collect what is essential. We strictly don't sell or share identifiable information with third parties.Bank-Grade Security: Data is protected by AES-256 encryption and TLS 1.3 standards.Regulated Connectivity: Our read-only Open Banking (Sept 2026) uses FCA-regulated providers.Non-Custodial: We are an insight tool to give students agency, not a bank. We never hold, move, or manage student funds.

The 2026/27 Pilot

This September, we plan to deploy a year-long study on the impact of our financial forecast tools on student wellbeing, academic outcomes, and attrition.Want to stay in the loop about how Budge Up is already spreading across your campus? Enter your name and email below, and we'll add you to our stakeholder mailing list.