– Gains App provides all-in-one features for saving, budgeting and earning cashback
– Survey shows almost 50% of people feel less financially confident now than at the start of 2026, which Gains aims to fix
– Free money-saving app launched to waiting list of over 15,000 people
– Find out more at gainsapp.com
LONDON, UK. June 2, 2026 – A newly launched personal finance app is helping UK consumers tackle rising living costs, with early testing indicating users could save an average of £1,091* annually. Created by award-winning financial educator Sammie Ellard-King, the free app draws on his own experience of overcoming £24,000 in debt and is designed to make managing money simpler and more rewarding.
The app, Gains, officially launched this month following strong demand, attracting a waiting list of more than 15,000 people. Its arrival comes at a time when financial confidence remains under pressure, with 46% of respondents in a survey of the Up The Gains community saying they feel less secure about their finances than they did at the beginning of 2026.**
Gains was founded by personal finance educator Sammie Ellard-King, who built the Up The Gains platform in 2021 after clearing £24,000 of debt in his twenties. Since then, he has helped millions access free financial education and was recognised as Best Money Content Creator at the 2024 British Bank Awards.
The platform combines budgeting technology, cashback opportunities and AI-powered financial guidance in one free app, giving users practical tools to manage money more effectively and improve their financial habits over time.
Results from pre-launch testing suggest users may save an average of £1,091* each year. The launch also coincides with ongoing pressure on household budgets as fuel, food and energy costs continue to rise across the UK.
Research conducted among more than 1,650 members of the Gains community found that 83% regularly worry about money. Just 31% said they feel completely in control of their weekly finances, while 32% reported having little or no confidence in their ability to save over the coming three months.**
One of the app’s standout features is its ability to securely connect with 99% of UK bank accounts, enabling users to view and manage their finances from a single dashboard while unlocking rewards in the same place. Members can also earn instant cashback at more than 160 retailers, including Tesco, Sainsbury’s, Morrisons, M&S, Argos, Currys, Hotels.com, B&Q and Ikea.
The app also introduces a Financial Age feature, which assesses a user’s money habits and compares them with what might typically be expected at their stage of life.
Sammie Ellard-King said: “Our research shows that many people are finding it increasingly difficult to stay on top of their finances as everyday costs continue to climb. We built Gains to help people keep more of their money and feel more confident about their financial future.
“Too many finance apps are either difficult to use or lock useful features behind subscription fees. Gains takes a different approach by offering practical tools for free, created by people who have experienced financial challenges firsthand.
“By bringing together budgeting, cashback and behavioural finance tools, Gains acts as a personal financial companion. With around-the-clock AI support and easy-to-use resources, it helps people make better money decisions and build long-term confidence.”
The app’s core features include:
AI Money Assistant – An always-available AI chat tool that answers your questions on how you’re spending your money, tracks spending patterns, and recommends where you can specifically save through cashback.
Smart Budgeting Tools – Clear spending overviews, which categories you spend the most money in, and tips for how you can save more money and manage your money better.
Instant Cashback – Get an average of 7% cashback across more than 160 UK retailers, with no subscription or paywall required.
Gamified Savings – Streaks, rewards, and challenges that encourage consistent financial habits.
Financial Fitness Score – A unique feature measuring a user’s “financial age”, helping them track progress over time.
For more information visit gainsapp.com or www.instagram.com/gainsmoneyapp/
ENDS