How Dilly works

  • Dilly is your personal financial wellbeing companion, designed for the 40 million adults in the UK who’ve never had access to proper financial guidance.

    Most financial apps treat money as maths. Add, budget, track. But information alone isn´t enough. How you feel about money shapes every decision you make.

    Dilly starts with you, not your bank balance - answering your questions without judgement, on your terms, at your pace.

    The technology that sits underneath our proprietary content libraries and methods means that Dilly is available whenever you need it, not just when you can afford an appointment.

    It's free to start.

  • If you've never had proper financial guidance, Dilly is for you.

    You don't need savings, investments, or knowledge. You just need to be somewhere on the journey - sorting debt, thinking about the future, getting by but wanting to feel more in control, or just tired of money being on your mind.

    Wherever you are, that's the right place to start.

  • Dilly listens, remembers, and guides you over time.

    Dilly's not a search engine nor a chatbot. It adapts to understand your relationship with money, breaking overwhelming questions into manageable steps, never judging you for what you don't know. Starting with Dilly’s own unique Wellbeing Assessment is a great place to start.

    The more you talk, the more useful your conversations become. Dilly builds a picture of where you are and where you want to get to, helping you close the gap.

    Create a free account. Dilly will remember everything.

  • Safety and privacy aren't add-ons. They're the foundation.

    Dilly provides guidance and education, not regulated financial advice. Dilly will never recommend products, manage your money, or cross into advice territory. Crisis awareness is built in - if you need urgent support, Dilly will point you in the right direction.

    Your conversations stay private. No data sold. No hidden referrals or commissions.

    Just genuine help with how you feel about money.

  • Dilly is named after Dilly Knox, a codebreaker at Bletchley Park during WW2.

    He had a gift for finding patterns beneath confusion. He decoded what looked impenetrable.

    That's how most of us are money. Personal finance can feel encrypted - full of jargon, anxiety, and mixed signals. Dilly decodes it. Not just the technical side, but how you feel about it.

    We thought that deserved a name with history.

  • Dilly is built by Catapult Financial Technologies, and a team that shouldn't exist.

    We combine senior financial services experience, solutions focused psychotherapy, and deep coding expertise. Psychology and finance were designed together from the start - not bolted on later. We're practitioners with real-world understanding that money and emotion can't be separated.

    We're in Early Access. You're shaping what Dilly becomes. Tell us what you think.