– Gains App provides all-in-one features for saving, budgeting and earning cashback
– Survey shows almost 50% of people feel less financially confident now than at the start of 2026, which Gains aims to fix
– Free money-saving app launched to waiting list of over 15,000 people
– Find out more at gainsapp.com
LONDON, UK. June 2nd, 2026 – Gains App, a new free UK personal finance app that could help save people an average of £1091* per year has been launched, built by award-winning finance educator Sammie Ellard-King who himself overcame £24k of debt.
The money-saving app, which launched this month to a waiting list of over 15,000 people – will help people take control of their finances at a time when 46% of people say they feel less confident in their finances now than at the start of 2026, according to a survey of the Up The Gains community.**
Gains App has been launched by award-winning personal finance educator Sammie Ellard-King who – after getting himself out of £24k debt in his twenties – has helped millions of people access free money education since launching his Up The Gains platform in 2021, and was named Best Money Content Creator at the 2024 British Bank Awards.
Gains App is the first of its kind to combine smart budgeting tools, instant cashback rewards and AI financial chat support into one free platform, helping users simplify money management and build healthier financial habits.
Pre-launch trials suggest app users could save an average of £1,091* per year, and comes as people across the UK are experiencing a further cost of living squeeze due to rising fuel, food and energy prices.
In a recent survey** of over 1,650 Gains community members, 8 out of 10 people (83%) in the UK said they regularly worry about money. Only 31% said they feel fully in control of their weekly finances, while nearly a third (32%) said they have little or zero confidence in their ability to save over the next three months.
A key feature of Gains App is that it connects securely with 99% of UK bank accounts, allowing users to view and manage all their finances and be able to access rewards all in one place. App users also get instant cashback across more than 160 retailers, including household names such as Tesco, Sainsbury’s, Morrisons, M&S, Argos, Currys, Hotels.com, B&Q and Ikea.
And in a further innovative feature, customers can also use the app to calculate their ‘financial age’ – a score that shows whether their financial habits are ahead or behind where they should be for their stage of life.
Sammie Ellard-King said: “We know from our research that people across the country are struggling to make ends meet as costs rise and wages stall, so our goal is to provide simple tools to put money back into people’s pockets each year and help life feel a bit less expensive.
“Most money apps are either too complicated or charge for features that should be free. Gains App is different because it’s built by people who understand what it’s like to struggle with money, not by bankers who have never experienced that.
“By combining budgeting, cashback and behavioural tools in one accessible app, Gains is basically a modern-day financial companion, designed to meet people where they are, answer their questions through 24/7 AI support, provide them with practical tools and help them build lasting financial confidence.”
The app’s core features include:
AI Money Assistant – An always-available AI chat tool that answers your questions on how you’re spending your money, tracks spending patterns, and recommends where you can specifically save through cashback.
Smart Budgeting Tools – Clear spending overviews, which categories you spend the most money in, and tips for how you can save more money and manage your money better.
Instant Cashback – Get an average of 7% cashback across more than 160 UK retailers, with no subscription or paywall required.
Gamified Savings – Streaks, rewards, and challenges that encourage consistent financial habits.
Financial Fitness Score – A unique feature measuring a user’s “financial age”, helping them track progress over time.
For more information visit gainsapp.com or www.instagram.com/gainsmoneyapp/
ENDS