Dilly is your AI Financial Guidance and Wellbeing Coach — available whenever you need it, free to start, and built around you as a person, not just your bank balance.

Most financial apps treat money as a maths problem: add up your spending, set a budget, track your investments. But if information were all it took, most people would already be financially sorted. They're not — and it's not always because they're bad with money.

It's because how you feel about money shapes every financial decision you make. The anxiety that stops you opening that letter. The habit that keeps you spending when you're stressed. The paralysis that stops you starting something you know you should.

Dilly starts with where you are — with how you actually feel. Whether you're confident or apprehensive, your questions will be answered on your terms, without judgement or pressure.

Dilly was created for the majority of UK adults who've never had access to real financial guidance — not because they don't need it, but because an accessible, easy-to-use resource has never been built for them. Dilly is for anyone who wants to feel confident about money and the decisions that come with it.

You don't need savings, investments, or any financial knowledge to use Dilly. You just need to be somewhere on the journey. Maybe that's wanting to sort out debt and become more stable, or starting to think about the future, or simply feeling like money is always on your mind.

If any of these sound familiar, Dilly is for you:

• Money feels stressful or scary, even when things are okay

• You know what you should be doing, but keep putting it off

• You're managing, but always worried it could fall apart

• You want to start investing, but don't know where to begin, or feel anxious about it

• You feel like financial advice is for other people, not for you

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

When you talk to Dilly, you’re not using a search engine or a basic chatbot. Dilly is an intelligent AI Agent and actively guiding the conversation. It listens, it remembers, and it works with you over time.

Dilly will help you understand your relationship with money, not just your transactions. It will break big, overwhelming financial questions into steps you can actually take. It will never judge you, never push products at you, and never make you feel stupid for not knowing something.

The more you talk to Dilly, the more useful it becomes. Dilly builds a picture of where you are and where you want to get to, and helps you move between the two.

Create a free account and Dilly will remember your conversations between sessions , so you never have to start from scratch. You can do this from the Home Page or from here

Dilly is designed with your safety and privacy as a foundation, not an afterthought. It’s where we started from, and built up from there.

On financial safety: Dilly provides financial guidance and education, it helps you understand your situation, explore your options, and build confidence to take action. It does not provide regulated financial advice, and it will always be clear about the difference. Dilly operates within strict FCA compliance boundaries. It will never recommend specific products, manage your money, or tell you what to do in a way that crosses into regulated advice territory. We develop and rigorously test our own content and tools used by Dilly on an ongoing basis.

On emotional safety: If you’re going through a difficult time financially, Dilly is designed to support you, not overwhelm you. Dilly has been built with crisis awareness so if a conversation suggests someone needs urgent support, Dilly will acknowledge that and point them towards appropriate help.

On privacy: Your conversations with Dilly are private. Dilly will never sell your data or use your conversations to target you with advertising. You can find full details in our Privacy Policy.

There are no hidden product referrals, no commission arrangements and no agenda beyond helping you feel better about money.

Dilly is named after Dilly Knox, who was one of Britain’s most brilliant and unconventional codebreakers. He worked at Bletchley Park during the Second World War and played a central role in cracking the Enigma cipher.

Knox had a gift for finding the pattern beneath the confusion. He decoded what looked impenetrable to others.

That’s what we’re trying to do with money. For most people, personal finance feels like an encrypted message; full of jargon, anxiety, and contradictory signals. Dilly decodes it. Not just the technical knowledge gap, but the emotional one.

We thought that deserved a name with a bit of history behind it.

Dilly is built by Catapult Financial Technologies (UK) Limited, a UK company founded by a team whose combined background doesn’t really exist anywhere else in fintech.

Our founders bring together senior financial services experience, including top level roles in wealth management , financial planning, investment management and in Solutions Focused Psychotherapy. That combination is deliberate. Dilly isn’t a finance tool with a wellness layer added on. The psychology and the finance were designed together, from the beginning, based on rigorous evidence and professional practice. Dilly is not an engineer’s or data analysts’ solution. It’s built by practitioners with real world understanding of how money and psychology just cannot be separated.

We’re in Early Access right now, which means you’re among the first people to use Dilly, and your experience genuinely shapes what it becomes. If something doesn’t feel right, or something surprises you in a good way, we want to hear about it.