Why No More Winging It exists
I’m Nick Walsh, and I built No More Winging It because I needed it.
I earn a reasonable salary, and I’ve spent twenty years around money — building real-time systems at major investment banks and Big Four firms, on the engineering side rather than the advice side. So I should have had this stuff sorted.
I didn’t. I was winging it.
Two teenage kids, an ex-wife, a new partner, a household with a dozen direct debits I half-remembered setting up. Funding one daughter at college in London all week and another at school with clubs and tutoring, three cars, six streaming services with overlapping content, multiple mobile phones, a stack of insurance policies I’d renewed on autopilot. None of it ruinous on its own — all of it invisible in aggregate. I genuinely couldn’t have told you what we spent on the family in a typical month without sitting down with a spreadsheet for an afternoon.
And that was the easier half. The harder half: old pension pots from jobs I’d left, some ETFs, some crypto that was up one minute and down the next. A net worth figure I could only ever estimate. Spreadsheets that were out of date the day after I updated them. It was impossible to keep track. And when I looked for a tool to fix it, everything on the market was either too simple — a budgeting app that counted my coffees — or a polished funnel quietly steering me toward the same generic products everyone else gets sold.
I wanted something different. A single place that showed me what was actually going on — every pension, every account, my real net worth, kept current — and surfaced the decisions that actually move the numbers, instead of pestering me about lunch. Real-time tracking of my investments mattered particularly: when crypto moves 10% in a day, a monthly spreadsheet update is fiction.
So I built it.
It’s built for the UK specifically. Multiple pension pots, ISAs and SIPPs, employer benefits that never show up in your bank account, the kind of complications that come from being further along in your career than your banking app understands. It’s the tool I wished I’d had — built for people whose finances are complicated.
I’m a technologist, not a financial adviser, and I built this product myself. No More Winging It is here to show you where your money is, where it’s heading, and how small changes today shift that — it does not tell you what to buy, and nothing on this site is financial advice.
— Nick Walsh, Founder
LinkedIn ↗
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nick@nomorewingingit.ai
Nothing on No More Winging It constitutes financial advice. It’s a tool for organising and understanding your own finances; decisions and any regulated advice remain yours to seek.
How the company makes money
Subscriptions. That’s it. Free tier is genuinely free forever for users who want to enter figures manually. The Pro tier (£15/month or £150/year — two months free on annual) unlocks the AI document-upload extraction, the Personal Intelligence chat, and the daily personalised intelligence feed.
Explicitly not how we make money: affiliate kickbacks on pension providers, ISA platforms, mortgage brokers or insurance. Advertising of any kind. Selling or licensing user data. There’s no “compare deals” comparison engine because the moment we add one, our incentives stop being aligned with the reader’s.
Editorial principles
- Numbers come from sources. Tax bands cite gov.uk and are dated. Wealth distribution cites the ONS Wealth and Assets Survey via the Social Mobility Commission. Anything we can’t cite, we don’t publish.
- Privacy as a structural commitment. Calculators on this site run client-side; the numbers you type never leave your browser. In the product, we use row-level security, encryption, consent-gated admin access and audit logging — detailed in the Privacy Policy.
- No SEO bait. We’d rather rank for one thing because the page is genuinely the best on that topic than rank for a hundred things because we played the algorithm.
Corrections and feedback
If you spot a wrong number, an outdated tax band, or a misleading explanation, email nick@nomorewingingit.ai and it’ll be fixed. Corrections on calculator inputs are usually shipped within 24 hours; structural changes get the same next-business-day treatment.