Cairn keeps your financial life in order while you’re here, so the people you love aren’t left searching when you’re not. Your accounts, insurance, pensions and wishes, in one place and ready to hand over.
Your accounts, mortgage, pensions, possessions and insurance, in one place and kept current. See where you stand at a glance, with a gentle nudge when something needs you.
The same picture becomes a clear record for the people you trust, so they aren’t left playing detective during the hardest weeks of their lives.
Most of us carry our financial lives in our heads, spread across dozens of providers and buried in old emails. When we are gone, or simply lose track, it does not just fade away quietly. It costs real money, and real time, for the people left behind.
sits unclaimed in lost UK pension pots, spread across 3.3 million forgotten pots worth around £9,500 each.
Pensions Policy Institute, 2025of UK adults die without an up to date will, leaving families to piece together what was wanted and what was owned.
Industry estimateslie in dormant accounts, forgotten investments and unclaimed life insurance, waiting for heirs who never knew they existed.
MoneySavingExpertCairn exists so none of this is left to chance, or to memory.
Cairn does not sell or hold any products. Your accounts stay exactly where they are. This is simply one place to see what you already have elsewhere, so you can keep the best products for you and still have a single, clear overview.
Home, life, contents, travel, car. When do they renew? What is the reference number? Who do you call, and what is actually covered? It all lives here, in one place, ready the moment you need it.
Your wishes, your will, your trusted contacts. So that when the time comes, the people who matter have everything they need, without the searching and the stress at the worst possible moment.
Cairn holds a calm overview, never the keys to your money.
We do not store sort codes, account numbers or banking logins.
Cairn only ever shows a view of your finances. It can never make a payment or move funds.
Your data is encrypted, kept in the UK, and never sold to anyone. It belongs to you alone.
You can permanently erase everything whenever you choose.
When my dad died, it was hard to find his will, let alone his accounts. At the worst possible moment, we became detectives, hunting through paperwork and old emails for the pieces of a life.
These days, less and less is written down. Statements arrive by email, accounts live behind logins, and the people we leave behind have no map. I did not want anyone else to face that at such a painful time.
So we built Cairn: a quiet, secure place to gather everything that matters while you are here, and to hand it over gently when you are not.
A cairn is a small stack of stones, built by hand on hillsides and along old paths. Each one is placed deliberately, to mark the way for whoever comes next, so that even in mist or fading light, no one is left lost.
Walkers add a stone as they pass. In wilder places, cairns mark a resting spot, or remember someone who is gone. They are quiet and lasting, made with care for those who come after.
That is what we hope this is for you. Something you build, stone by stone, so the loved ones you leave behind can find their way.
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