giltedge is built by the team behind 4-Decades, a UK consultancy with of experience helping individuals and businesses understand their financial picture.
‍ ‍

Our founder spent years watching people make important financial decisions with incomplete information — relying on spreadsheets that don't adapt, and tools built for accountants rather than people.

giltedge is the answer to that frustration. A premium planning tool built with the rigour of professional financial modelling, the transparency of a glass-box engine, and the clarity that means you don't need a degree in finance to use it.

We're UK-based and UK-focused — built specifically for the UK tax system, with PAYE, SIPP, ISA, IHT and State Pension all modelled properly. Not an approximation.

We don't recommend products. We don't sell your data. We don't run ads. You pay for a subscription — and giltedge works for you.

giltedge. Your finances, gilt-edged.