Set rules. Build a streak. Finally follow through.
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DISCIPLINE✦SET YOUR RULES✦BUILD YOUR STREAK✦48 HOUR LOCK✦OPEN BANKING UK✦CHALLENGE MODE✦iOS & ANDROID✦JOIN THE MOVEMENT✦DISCIPLINE✦SET YOUR RULES✦BUILD YOUR STREAK✦48 HOUR LOCK✦OPEN BANKING UK✦CHALLENGE MODE✦iOS & ANDROID✦JOIN THE MOVEMENT✦
The reality
Where UK money actually goes.
Average annual spend per person. Not the extremes — the typical ones.
£0
Takeaways per year£44 every month
£0
Coffee shops per year£45 every month
£0
Bars & pubs per year£50 every month
£0
Restaurants per year£57 every month
£0
That's £11,775 over 5 years. On things you half-remember. HALT helps you decide what's worth it — before the moment, not after.
Illustrative estimates based on ONS Family Spending Survey and industry data.
What could your spending look like in these categories?
Join the waitlist and connect your bank at launch. We'll show you your real numbers — and help you take back control.
✓ You're on the list. See you at launch.
How it works
Four steps. Real results.
Simple to set up. Powerful enough to actually stick.
01
Connect your bank
Secure, read-only open banking. We see your transactions — nothing more.
02
Set your rules
Choose your categories. Set limits. Do it when you're calm and thinking clearly.
03
Lock them in
PIN-protected with a 48-hour change window. Your future self will thank you.
04
Watch your streak grow
Every day within your rules, it climbs. Break one — it resets. That's the point.
Inside the app
Built to help you follow through.
Every feature has one job — to keep you on track.
Protection
48-Hour Rule Lock
Request a change. Give it 48 hours. If it still feels right, it's yours to make.
Core
Discipline Streak
Every day you stay within your rules, your streak grows. Slip up — and you start again, stronger.
Banking
Connect Your Bank
Secure, read-only Open Banking. We see your transactions — nothing more.
Commitment
Challenge Mode
Choose 90, 180 or 365 days. A commitment to yourself — and something to be proud of.
Awareness
Spending Insights
See where your money really goes. Clear, honest insight to help you improve.
Control
Weekly Cap
Set a weekly limit across all spending. A simple way to stay in control when it matters.
You already know what to change.
HALT helps you
do it.
Most apps tell you what happened after the fact. HALT helps you decide before the moment arrives.
When you're calm. When you're thinking clearly.
Then it holds you to it — every single day.