pondly. brings your UK pensions, 401(k)s, ISAs, RRSPs and cash into one picture, then tells you what two tax systems mean for you, before it costs you.
Founding members get Plus free for life. Invites go out in small batches.
Ordinary money decisions behave differently when you live across a border. Most apps see one side. pondly. sees both.
Non-US funds held by a US person are often PFICs, taxed far more harshly than a US equivalent, with a form for each one.
FBAR, Form 8938, T1135: miss a form that reports foreign accounts and the penalty applies even if you owe nothing.
Pensions in pounds, spending in dollars, a State Pension that may never rise where you retire. It adds up quietly.
A calm, private view of everything you own, and a quiet expert watching it for you.
Pensions, 401(k)s, ISAs, RRSPs, TFSAs, savings, brokerage, mortgages, loans and credit cards, with your net worth in $, £ or C$ at today's rate.
Each one shows what we found, the rule behind it, the likely cost as a range, and options to discuss with your accountant.
Your pots, State Pension, Social Security, CPP and OAS projected together in today's money. Slide the age and watch it change.
"Should I move my ISA?" "Can I afford to retire at 62?" Answers grounded in your own numbers, in a conversation that remembers.
Screenshot your statements, even several at once, and pondly. reads the balances and funds. Automatic bank connections are coming.
Every foreign account with its highest balance in the year, ready to hand over at tax time. No more digging.
Every signal cites the rule it comes from, shows its working, and gives you options, so the conversation with your accountant starts in the right place.
Filing and penalty warnings are always free.
The UK freezes it for residents of Canada at the amount you first receive.
pondly. asks a few questions: where you live, when you'd like to retire, roughly what you spend.
Screenshots of your pensions, 401(k), ISA or RRSP, plus savings, brokerage, mortgage, loans and credit cards. Confirm what it read, and you're done.
See what matters first, with costs as ranges and a clear next step. pondly. keeps watching as things change.
Sign in with a passkey that lives on your phone.
pondly. never moves money or places trades.
Each member's data is stored separately. We never store account numbers.
Export everything or delete your account in two taps. We never sell your data.
Your full picture from screenshots, your top signals, and every filing and penalty warning.
Every signal, Ask pondly. as a conversation, retirement what-ifs, and automatic connections as they arrive.