💸 Smart Finance · For Real Life

Your money,
finally making sense.

Polar Finance brings together budgeting, investments, live market data and spending insights, in one app that is effective and easy to use.

See how it works ↓
NET WORTH
Your balance
Income
Expenses
WEEKLY SPENDING
🛒
Groceries
💼
Income
+
Utilities
📱
Subscriptions

Stop wondering
where it all went.

Polar Finance shows exactly what you're spending and where, by category, by week, by year. Set budgets that flex around your life, track saving goals, and cut the subscriptions you forgot you had.

Weekly & monthly views Category breakdown Saving goals Budget vs actual
Monthly budget
68% used
Savings goal
41% reached
Spending by category
🏠
35%
🛒
22%
🚗
18%
🎬
12%
📦
13%

All your accounts.
One clear picture.

Connect your debit cards, credit cards and investment accounts. Watch your net worth update in real time. No more logging into five different apps to understand where you actually stand.

Bank accounts Credit cards ISAs & stocks Crypto Net worth tracker

💳 Connected accounts

🏦
Current Account
Debit · Visa
£●,●●●.●●
•••• •••• •••• ••••
💳
Credit Card
Credit · Mastercard
-£●●●.●●
•••• •••• •••• ••••

📈 Investments

Index Fund
ISA · Multiple holdings
£●,●●●
▲ tracking
Crypto wallet
Multiple assets
£●,●●●
▲ tracking
Savings account
Easy access · ISA
£●,●●●
▲ tracking

Charts that
actually tell you something.

Not just pretty graphs, but insights you can act on. See your spending by category, watch your assets grow month by month, and instantly spot the months where things went off track.

Monthly expense bars Spending pie Asset growth trend Year-over-year

📈 Net worth over time

Jan Apr Jul Oct Dec

🥧 Spending breakdown

Housing35%
Food22%
Transport18%
Other25%
Tools

Everything at your fingertips.

Your transactions on a calendar, a powerful search bar, and a fully customisable theme engine.

📅 Calendar View
🔎 Smart Search
🎨 Themes
February 2026

Connect your accounts to see transactions on your calendar

Make Polar Finance yours. Choose a preset or build a custom theme.

Dark
Forest
Crimson
Gold
Light
Background
Card
Card 2
Accent
Highlight
Advanced Market Forecast

Real-time prices, AI-powered signals, multi-timeframe analysis and detailed trade setups for your key holdings.

VUSA£94.82+1.34%
XAU/USD$2,481+0.82%
XAG/GBP£23.84-0.31%
TSLA$318.20+2.87%
BTC/USD$96,412+1.52%
S&P 5005,918+0.64%
VIX16.2-4.1%
DXY103.8-0.22%
US10Y4.21%+0.03%
😱 Market Mood
Are investors feeling scared and selling, or confident and buying right now?
64
😄 Feeling Confident
Score: 64 out of 100
😨
Very
Scared
😟
A Bit
Worried
😐
Calm &
Neutral
😄
Feeling
Good
🤑
Very
Excited
How the mood has changed
😄 Today
64
😐 Yesterday
58
😟 Last week
44
😨 Last month
28
💡 What this means for you
Most people are feeling confident right now. Markets are generally rising. This can be a good sign, but if everyone gets too excited, prices sometimes drop. Consider whether you're buying just because everyone else is.
What drives this score?
📈 Stock momentum 📉 Market volatility 🏦 Investor demand 📰 Market breadth
🌡 Portfolio Heat Map
Up Down
₿ BTC
+1.52%
Bitcoin
NVDA
+3.12%
Nvidia
TSLA
+2.87%
Tesla
VUSA
+1.34%
S&P 500 ETF
XAU
+0.82%
Gold
ETH
+0.74%
Ethereum
MSFT
+0.55%
Microsoft
AMZN
+1.08%
Amazon
AAPL
+0.44%
Apple
META
+1.21%
Meta
GOOGL
+0.63%
Alphabet
FTSE
+0.18%
FTSE 100
DAX
+0.29%
Germany
XAG
-0.31%
Silver
OIL
-1.10%
Crude Oil
GAS
-2.14%
Nat. Gas
📡 Market Regime
Risk Appetite
Risk-On
Momentum
Strong
Volatility
Low
Breadth
Bullish
USD Trend
Weak
Bonds
Neutral
Inflation
Elevated
Liquidity
Moderate
🟢 Current Regime: Risk-On Bull
Low volatility, strong breadth and improving risk appetite favour equities & crypto over bonds and cash.
BULLISH
📈
Vanguard S&P 500 ETF
VUSA · London Stock Exchange · Acc
Current Price
£94.82
▲ +1.34%
Today
52W
£72.10 – £101.80
15m
30m
1H
1D
12M
Market Cap
£40.2B
P/E Ratio
22.4×
Div. Yield
1.38%
Beta
1.00
🐂 Bull
£118.50
+24.9%
📊 Base
£107.20
+13.1%
🐻 Bear
£82.40
-13.1%
Analyst Sentiment
74% Buy
⚡ Trading Signals ▲ STRONG BUY
Strength
71%
15m
BUY
1H
BUY
4H
BUY
1D
BUY
1W
HOLD
RSI (14)58.3
OS 3050OB 70
Neutral-Bull
MACD (12,26)+1.24
Bullish Cross
EMA 50/200+4.2%
Golden Cross
BollingerMid-Upper
Breakout
Stoch RSI64 / 71
Bullish
ADX (14)28.4
Strong Trend
Volume
↑ Above Avg
Key Levels
Resistance
£99.40
Current
£94.82
Support
£88.50
Trade Setup
Entry Zone
£93–96
Ideal entry
Stop Loss
£87.20
-8.0% risk
Target
£107.20
R:R 1.5×
📈 Above 200-day EMA💪 Uptrend intact🔊 Volume confirming🏦 S&P momentum
BULLISH
🥇
Gold Spot
XAU/USD · Commodities · $/troy oz
Current Price
$2,481
▲ +0.82%
Today
52W
$1,984 – $2,624
15m
30m
1H
1D
12M
YTD Return
+11.2%
Corr. DXY
-0.78
Volatility
11.4%
Sharpe
1.42
🐂 Bull
$3,120
+25.7%
📊 Base
$2,740
+10.4%
🐻 Bear
$2,180
-12.1%
Analyst Sentiment
81% Buy
⚡ Trading Signals ▲ STRONG BUY
Strength
82%
15m
HOLD
1H
BUY
4H
BUY
1D
BUY
1W
BUY
RSI (14)67.1
OS 3050OB 70
Near OB–Bull
MACD (12,26)+18.4
Strong Bull
EMA 50/200+6.8%
Golden Cross
BollingerUpper Band
Bull Squeeze
Stoch RSI79 / 83
Overbought
ADX (14)36.8
Very Strong
Volume
↑ Surge
Key Levels
Resistance
$2,620
Current
$2,481
Support
$2,280
Trade Setup
Entry Zone
$2,440–2,500
Dip entry
Stop Loss
$2,260
-8.9% risk
Target
$2,740
R:R 2.0×
🛡 Safe-haven demand📍 New ATH territory💵 USD weakness🏦 Central bank buying
NEUTRAL
🥈
Silver Spot
XAG/GBP · Commodities · £/troy oz
Current Price
£23.84
▼ -0.31%
Today
52W
£19.20 – £29.80
15m
30m
1H
1D
12M
YTD Return
+3.1%
Gold/Silver
104×
Volatility
19.8%
Sharpe
0.61
🐂 Bull
£31.50
+32.1%
📊 Base
£27.20
+14.1%
🐻 Bear
£19.80
-16.9%
Analyst Sentiment
58% Buy
⚡ Trading Signals ◆ HOLD / WATCH
Strength
42%
15m
SELL
1H
HOLD
4H
HOLD
1D
BUY
1W
BUY
RSI (14)48.2
OS 3050OB 70
Neutral
MACD (12,26)-0.38
Bear Cross
EMA 50/200-0.3%
Flat / Coiling
BollingerMid-Band
Ranging
Stoch RSI44 / 39
Neutral
ADX (14)18.2
Weak Trend
Volume
↓ Declining
Key Levels
Resistance
£27.50
Current
£23.84
Support
£21.80
Trade Setup
Entry Zone
£22–24
Support bounce
Stop Loss
£20.50
-14.0% risk
Target
£27.20
R:R 1.2×
⚖ Range-bound £22–£27👀 Watch support £22📊 Gold/Silver ratio⚡ Industrial demand
BULLISH
🚗
Tesla Inc.
TSLA · NASDAQ · Consumer EV
Current Price
$318.20
▲ +2.87%
Today
52W
$138.80 – $479.90
15m
30m
1H
1D
12M
Market Cap
$1.02T
P/E Ratio
86.4×
Volatility
52.1%
Beta
2.31
🐂 Bull
$480
+50.9%
📊 Base
$340
+6.9%
🐻 Bear
$180
-43.4%
Analyst Sentiment
62% Buy
⚡ Trading Signals ▲ BUY
Strength
62%
15m
BUY
1H
BUY
4H
HOLD
1D
BUY
1W
HOLD
RSI (14)61.5
OS 3050OB 70
Bullish
MACD (12,26)+8.72
Recovering
EMA 50/200+2.1%
Golden Cross
BollingerMid-Upper
Breakout
Stoch RSI72 / 68
Near OB
ADX (14)31.6
Strong Trend
Volume
↑ Elevated
Key Levels
Resistance
$380
Current
$318
Support
$265
Trade Setup
Entry Zone
$300–325
Pullback buy
Stop Loss
$258
-18.9% risk
Target
$380
R:R 1.6×
🤖 AI & robotaxi catalyst⚡ High beta asset📉 Oversold bounce🚗 EV delivery watch
BULLISH
Bitcoin
BTC/USD · Crypto · CME Futures Active
Current Price
$96,412
▲ +1.52%
Today
52W
$38,500 – $108,400
15m
30m
1H
1D
12M
Market Cap
$1.90T
Dominance
54.8%
Volatility
38.2%
Sharpe
1.88
🐂 Bull
$180,000
+86.7%
📊 Base
$120,000
+24.5%
🐻 Bear
$60,000
-37.8%
Analyst Sentiment
78% Buy
⚡ Trading Signals ▲ STRONG BUY
Strength
78%
15m
HOLD
1H
BUY
4H
BUY
1D
BUY
1W
BUY
RSI (14)63.8
OS 3050OB 70
Bullish
MACD (12,26)+2,140
Strong Bull
EMA 50/200+9.3%
Golden Cross
BollingerUpper Band
Bull Squeeze
Stoch RSI76 / 81
Near OB
ADX (14)42.1
Very Strong
Volume
↑ Surge
Key Levels
Resistance
$112,000
Current
$96,412
Support
$82,000
Trade Setup
Entry Zone
$90–98k
Dip accumulate
Stop Loss
$79,000
-17.8% risk
Target
$120,000
R:R 2.4×
₿ Post-halving cycle🏛 Institutional ETF inflows📈 Macro momentum⚠ High volatility
BULLISH
🇬🇧
FTSE 100
^FTSE · London Stock Exchange · Index
Current Price
Loading…
— %
Today
52W
7,206 – 8,907
15m
30m
1H
1D
12M
Market Cap
£2.1T
P/E Ratio
11.8×
Div. Yield
3.62%
Beta
0.92
🐂 Bull
9,400
+8.9%
📊 Base
8,750
+1.4%
🐻 Bear
7,800
-9.6%
Analyst Sentiment
65% Buy
⚡ Trading Signals ▲ BUY
Strength
57%
15m
HOLD
1H
BUY
4H
BUY
1D
BUY
1W
HOLD
RSI (14)52.4
OS 3050OB 70
Neutral
MACD (12,26)+18.4
Bullish Cross
EMA 50/200+2.1%
Above EMA
BollingerMid Band
Neutral
Stoch RSI54 / 61
Neutral
ADX (14)24.8
Moderate
Volume
↑ Above Avg
Key Levels
Resistance
8,907
Current
8,623
Support
8,320
Trade Setup
Entry Zone
8,550–8,680
Pullback entry
Stop Loss
8,200
-4.9% risk
Target
9,100
R:R 1.8×
🇬🇧 UK blue-chip index💷 High dividend yield🌍 Global revenue base🏦 BoE rate tailwind
See forecast
Avg. Base Case Upside
74%
Avg. Analyst Buy Rating
5 / 6
Assets Signal BUY
Dec '26
Forecast Horizon
64
Fear & Greed Index
Risk-On
Market Regime

⚠ Forecasts are for illustrative purposes only and do not constitute financial advice. Past performance is not a reliable indicator of future results. Always conduct your own research before making any investment decisions. Not regulated financial advice.

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Monthly
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For anyone starting their financial journey
£0
forever
 
 
📊
50 transactions/month
🔗
1 linked bank account
🎯
1 saving goal
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  • Basic expense chart
  • Transaction search
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  • Calendar view
  • Receipt scanning
  • Investment tracking
  • Live market data
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£7.99
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📈
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🌍
Multi-currency support
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  • Net worth tracker
  • Custom theme builder
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