Bills and savings, held back before you can spend them

What Lanhorz is designed to do

Connect a UK bank read-only, or type your numbers in. Lanhorz takes your bills and savings out of your balance, holds them at the level of protection you choose, and shows you one number: what is actually safe to spend.

Bill Protection

Your essential bills come out of your spending money first, before anything else gets a look in.

Add your rent or mortgage, council tax, utilities, phone, insurance, subscriptions and any other regular commitment — by hand, from an uploaded statement, or from a read-only bank connection.

Protection Levels

You choose how hard Lanhorz holds your money back — from a quiet warning to keeping most of what is left out of reach.

Warn Only tells you when you are heading into protected money and leaves the decision to you. Light, Balanced and High Restriction hold back a growing share of what is left after bills. Maximum Protection holds back the most and only unlocks it when you can afford it.

Locked Savings

Savings sit in named pots that are held back from your spending balance, not left loose in your account.

Set a target, a purpose and a timeline — a deposit, a safety buffer, money for the children, a known cost coming up — and Lanhorz keeps that pot out of your safe-to-spend number.

Rainy Day Fund

A separate buffer for the costs that arrive without asking.

Car repairs, emergency travel, a boiler, school costs, an urgent bill, a short gap in income — the things that turn a manageable month into an overdraft.