Your household's running costs, deadlines,
and energy benchmarks — one place.

It gives you a single view of every recurring household cost — bills, subscriptions, insurance, utilities, housing. When you can see the total each month, unused services and creeping price rises become obvious. Timely reminders give you a window to switch or cancel before auto-renewals lock you in. And when you do make a change, your spend total updates so you can see the difference.

You enter your tariff details — unit rate, standing charge, supplier, contract end date. H.A.B.I.B.I compares your electricity rate against a public Octopus benchmark (a single-supplier reference, not whole-of-market). If your rate sits above the benchmark, you get a savings signal. Gas, water, and council tax insights are expanding. Community anonymised comparisons are planned — opt-in aggregates only, no identifiable neighbours.

For most households, one cancelled subscription or one energy tariff review saves more than a year of Pro. The ROI section above shows illustrative maths: a typical household can avoid £500–1,500+ in leaks annually. One found subscription or one energy review can cover a year of Pro. Everything else is upside.

No. H.A.B.I.B.I does not use open banking or scrape your transactions. You enter the data you want to track. This is a privacy advantage — your financial data stays with you, not with a third-party data aggregator.

No. A reminders app can only tell you what you already told it. H.A.B.I.B.I proactively surfaces things you might not have thought to track — MOT expiry from DVLA data, bin day from your council’s collection pattern, insurance renewal windows. It also tracks your full household spend across bills, utilities, and housing — something no reminders app does.

Enter a UK registration number and we pull the vehicle’s make, model, year, tax status, and MOT expiry directly from DVLA records. No manual data entry for the basics. We then track upcoming renewals and alert you before they expire.

Yes. While some features (like bin schedules and council data) are property-specific, renters can still track contents insurance, utility contracts, broadband and streaming bills, vehicle compliance, and personal reminders. You can also track your total monthly spend — just like a homeowner.

Yes. Multi-property support is built in. Each property gets its own local context — council, bin schedules, weather, and reminders — and its own spend picture. Landlords can compare costs across properties and manage compliance dates from one account.

We use JWT-based authentication with short-lived access tokens, bcrypt-hashed passwords, parameterised database queries via Prisma, and strict input validation on all endpoints. Your household data is never sold, shared, or used for advertising. Full stop.

Vehicle management (DVLA lookup, MOT, insurance, and tax tracking), manual reminders with typed categories, bills and subscriptions tracking with monthly totals, spend trends and category breakdowns, property intelligence (weather, local info, bin schedule prediction), electricity tariff benchmarking, and Secure Notes with document uploads on Starter and above. AI reminders run in your browser on Pro. Phone reminder calling is coming soon.

Free for one property. Starter is £4.99/mo or £49/yr for up to 3 properties — secure notes, spend insights, and better reminders. Pro is £9.99/mo or £99/yr for up to 10 properties with AI reminders and advanced finance views. Portfolio pricing for unlimited properties starts at £19.99/mo — contact us for onboarding. Annual billing saves roughly 17%.

DVLA for vehicle data. Ordnance Survey Places API for property geolocation. Police.uk for neighbourhood safety. Open-Meteo for weather forecasts. Council websites for bin schedules. We use real, traceable sources — no black boxes.