Barnsley-based Gains Money App raises £331.8k for AI budgeting platform

AI-powered budgeting and cashback platform Gains Money App Ltd has raised £331.8k to expand its financial management tools for UK consumers. The investment values the Barnsley-based startup at a post-money valuation of £3.1m.

The company operates the Gains App, a mobile application designed to help individuals manage their personal finances. By connecting directly to bank accounts, the software uses artificial intelligence to monitor spending patterns and assist users in setting budgeting and savings goals. A feature of the platform is its integrated cashback system, which offers personalized rewards on everyday purchases across a network of more than 200 partner retailers.

Founded in July 2025, Gains Money App Ltd entered the market to provide an alternative to manual financial tracking. The application automates the categorization of transactions and provides insights into where users can reduce costs or increase their savings rate.

This funding round consists of an estimated £331.8k in new capital. The transaction was finalized recently (with an allotment and filing date in May 2026). This capital injection establishes the company's current valuation at £3.1m as it continues to develop its AI capabilities and retail partnerships.

The business is headquartered in Barnsley and focuses on the UK market. Since its incorporation, the startup has focused on building its user base and expanding its list of retail partners to enhance the value of its cashback offerings. The app is designed for individuals looking to consolidate their financial overview into a single interface while earning rewards on their standard spending habits.