Question 1

What is UGMA?

Accepted Answer

UGMA is a household money planner from Creative Time Planning. It shows what you have left at the end of this month, what your year looks like, and where your household lands five years from now.

Question 2

Do I need to connect my bank account?

Accepted Answer

No. UGMA never asks for bank credentials. You enter your income and outgoings yourself, which keeps your data private and keeps the plan honest.

Question 3

How long does setup take?

Accepted Answer

Around fifteen minutes for your first month, then about five minutes a month to log actual spend. The step-by-step guide walks you through it.

Question 4

How accurate is the 5-year forecast?

Accepted Answer

Fixed bills keep the amount you set. Variable spending is predicted from your recent months, and you control the inflation and pay-rise assumptions. It's a well-informed projection, not a promise.

Question 5

Which countries are supported?

Accepted Answer

Budgeting, forecasting and pension tools work anywhere. School breaks and government childcare help are currently provided for the United Kingdom, Ireland, the United States, Canada, Australia and New Zealand.

Question 6

How do you keep government entitlements up to date?

Accepted Answer

Entitlement data is stored centrally and refreshed automatically — the app re-checks each time you open the Family page, when you return to the tab, and every half hour while it's open. Anything changed in the last 90 days is flagged 'Updated' with a short note on exactly what changed.

Question 7

Can I use UGMA with a partner?

Accepted Answer

Yes. Add both incomes and all shared outgoings to one household plan so you're both looking at the same numbers.

Question 8

What is the spending risk score?

Accepted Answer

A plain-English score built from your income, essential costs, savings rate and overspend history. It tells you how much shock your household could absorb before things get tight.

Question 9

Is there a free plan?

Accepted Answer

Yes — the free plan covers your categories, this month's budget versus actual spend and your funds remaining, with no card required. Paid plans add the long-term forecasting, scenarios and family planning tools.

Question 10

Can I cancel anytime?

Accepted Answer

Yes. Monthly plans cancel at any time and you keep access until the end of the period you've paid for. Everything you set up stays in your account.

Question 11

How do I pay?

Accepted Answer

Card (Visa, Mastercard, Amex), Apple Pay, Google Pay, PayPal and direct debit where available. Payments are handled by our payment provider — your card details never touch our servers.

Question 12

Can I export or delete my data?

Accepted Answer

Yes. You own your data. You can delete your account at any time from Settings, and it takes everything with it.

Frequently asked questions