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Important. Monovo is a budgeting and tracking tool, not a lender, credit broker or FCA-regulated financial or debt adviser. Figures, plans and guides are estimates based on what you enter. The AI coach gives general, automated suggestions — they aren’t regulated personal advice, may be wrong or incomplete, and aren’t legally binding. You decide what to do; check your lender’s statements and terms, and get free independent advice before big decisions.

Struggling with debt? Get free, confidential help: MoneyHelper 0800 138 7777 · StepChange 0800 138 1111 · National Debtline 0808 808 4000