Sonuswealth is being built for the financial life that does not fit inside one banking app: pensions, property, ISAs, cash, protection, tax, wills, trusts, documents, and the questions that appear as life changes.
Each surface answers one real question. Together, they're the picture your accountant wishes you brought to every meeting.
Sonuswealth's seven surfaces aren't features stacked on a dashboard. They're seven jobs your household needs done — and the engine is built so the answer to any one of them respects the other six.
The app is pre-launch; what's below is what each surface records, what it calculates, and how Sonu explains it. The engine, the rules, and the maths are real and current to May 2026.
Property, pensions, ISAs, savings, cash, mortgages, debts, life cover, wills, trusts, and documents in one organised picture.
Income, spending, mortgages, school fees, care, retirement, job changes, and family support over time.
No abbreviation wall. Sonu explains the rule, why it matters, and what number it changes in your plan.
Liquidity, protection, debt, concentration, tax, documents, and behaviour shown as separate risks, not one vague score.
Mortgage ends, children leave home, pensions start, tax deadlines arrive, and legacy decisions become visible by year.
Retire earlier, move house, change jobs, gift money, draw pension, or sell a business: record assumptions and consequences.
Sonu reads your household picture, explains the rule, shows the assumptions, and keeps the advice boundary visible.
Try the Sonuswealth application features live. Toggle retirement decisions, adjust tax-efficient contributions, and ask Sonu questions in plain English.
Property, pensions, ISAs, and mortgages connected.
Projected income sources and gaps before/after State Pension starts.
Compare tax and financial trajectories side-by-side.
Plain-English breakdown of complex tax, estate, and pension rules.
Sonuswealth can model technical UK rules, but the interface should translate them. A normal user should not have to know pension and estate acronyms before they can understand what is happening to their money.
What your estate may owe when wealth passes on, and which assets are exposed.
The extra inheritance tax allowance that can apply when a home passes to direct descendants.
Relief that may reduce inheritance tax on qualifying trading-business assets. In force since 6 April 2026: capped at £1M of 100% relief per person (with no automatic spousal transfer; lifetime planning required to use £2M combined); 50% relief above the cap.
High earners can lose part of their annual pension contribution allowance.
Once some flexible pension income is taken, future pension saving can be restricted.
How pension money can be taxed differently when someone dies after age 75.
A public-sector pension that pays income for life, often worth far more than the statement makes obvious.
Local government, teachers, and armed forces schemes, each with rules that need modelling properly.
A pension change can affect retirement income, tax, estate exposure, risk, and the next question you ask. Sonuswealth is designed so those consequences stay connected instead of becoming another spreadsheet exercise.
Upload a statement, enter it manually, or complete the guided profile.
Cashflow, tax, estate, risk, timeline, and decisions read the same household picture.
You see the answer in plain English, with the assumptions and boundary visible.
Four questions UK households actually ask. Cycles every 8 seconds — click any chip to jump. Each answer respects the FCA boundary: rule, maths, and the point where regulated advice may be needed.
Join if you want early access, founder updates, and the chance to shape the first household version before public launch.
