Join Calm Money

Clear debt. Build a safety net. Start investing.

For people who earn well but still feel stressed about money.

Join Calm Money A programme by

As featured on

  • BBC
  • Channel 4
  • ITV
  • Sky News
  • Channel 5
  • Lorraine
Meet Peter. Why money can feel hard even when you earn well, and how Calm Money helps.

This is for you if…

You’re in debt and can’t see the end of it.

The payments go out every month but the balance barely moves. And you’re not sure whether you should be investing instead.

Work out when you could be debt free 

This isn’t for you if you want stock tips, a get-rich-quick plan, or someone to manage your money for you.

Your money forecast.

Tell us where things stand today. We’ll show you when the storm clears, when it turns calm, and when the sun comes out.

1 Your numbers

Type over any of these. Your forecast below changes as you go.

I oweI owe £Interest (APR) at % APREach month I can put in and can put £ a month towards my goals.My essentials each month My essentials cost £ a month,Saved so far I have £ savedAlready invested and £ invested.

2 Your forecast

Sunny by September 2033

Stormy = paying off debt · Clearing = debt free · Calm = safety net in place · Sunny = investing

Stormy

Debt left
Safety net
Invested

Want it sooner?

Your sunny date assumes a 7% a year investment return. This is an assumption, not a guarantee. Investments can go down as well as up.

Email me my forecast

Your dates and the one thing to do this week, from Peter.

One email with your forecast, then occasional emails from Peter. Unsubscribe any time.

Assumes a fixed interest rate and no new borrowing. An estimate, not financial advice.

Join Calm Money

Five modules.
One complete system.

Calm Money builds the system that turns your income into wealth, one module at a time.

  1. 0.

    Reset

    We begin at ground zero. We uncover what you value, what motivates you, and how to turn your natural wiring into a superpower that propels you forward.

    “I discovered I was a Spender, and that it was linked to my emotions. I’d cut back on buying for myself but was still buying for others. Now, if I catch myself wandering into a shop, I stop and ask why I went in.”

    Jean M. · Founding member

  2. 1.

    Giving Your Money Structure

    Build the structure that gives you control and confidence in your day-to-day finances, and becomes the foundation of your whole system.

  3. 2.

    Breaking the Debt Cycle

    Get a full picture of your debts and a step-by-step plan that shows which to clear first and when you’ll be debt free.

  4. 3.

    Creating Financial Stability

    Here, peace of mind stops being an idea and becomes your reality. Your buffer lets you live well today while securing tomorrow.

  5. 4.

    From Stability to Investing

    Learn what you actually need to know about investing and how to do it safely, then sidestep the costliest mistakes and build habits that last.

Inside the platform.

A few of the tools, guides and workshops waiting for you inside. There are more in every module, and all of it comes with every option.

  6. Plus more inside, including a Quick Debt Check and a Risk Check before you invest.

Why I built Calm Money.

A programme by Peter Komolafe. This is how it came to be.

1. Fostered from three months old

Fostered at three months old, I grew up without money. I still remember how my friends’ dinners always smelled better than ours. I had no idea the scarcity mindset forming in those moments would go on to hurt my finances as an adult. At eight, I was told I was going to Nigeria for a two-week holiday. It lasted ten years.

I returned from Nigeria in 1998 with £50 in my pocket and, not understanding how money worked, ended up homeless and sleeping on the streets. By 2001 I was in debt, and I stayed there for over a decade.

Peter as a baby, held up by a woman, with a young boy beside them

2. Canary Wharf

In 2006, I found a job as a bank cashier and worked my way through retail and corporate banking before reaching wealth management in Canary Wharf in 2012. For the first time, I was earning good money, yet I still felt stuck. I understood everyday financial products but knew nothing about investing, and the scarcity mindset from my childhood had me overspending and living for the moment.

Then a manager showed me I was earning enough to buy my first property. That conversation sparked the biggest mindset shift of my life. I set proper goals, stopped spending aimlessly, cleared debt I’d struggled with for over ten years, bought my first home and finally started investing. Not bad for someone who once slept on the streets.

Peter at his desk in an office, in a shirt and tie

3. Conversations I wish someone had with me

In 2020 I started a YouTube channel, which led to my bestselling book with HarperCollins, The Money Basics: How to Become Your Own Financial Hero, in 2023. I’ve appeared on shows including Lorraine, Steph’s Packed Lunch, Secret Spenders: Beat the Price Rises, Family Budget Switch Up and Jeremy Vine, and as a financial expert on BBC News, Sky News, Channel 5 News and the BBC World Service.

Peter being interviewed by Lorraine Kelly on Lorraine

4. Advocating for financial education

I ended up sleeping on the streets because I didn’t understand simple budgeting. It’s why I joined a team campaigning for financial education to be made compulsory in primary schools, taking our case from Parliament all the way to Number 10. From September 2028, children in England as young as five will learn the fundamentals of money in school.

Peter outside 10 Downing Street

5. Why Calm Money exists

I’ve come a long way from noticing whose dinner smelled better. But the biggest lesson from that journey is one no textbook taught me: you can understand money and still be controlled by it. One conversation shifted my mindset, but it was the action I took afterwards that changed my life. It took years to realise how many people are stuck where I was, earning, trying, and still not moving forward. Calm Money is my answer to that. A place to stop overthinking your money and start taking the steps that move you forward, so you don’t have to wait as long as I did.

Peter speaking on stage at an awards event

In their words.

One of our founding members on where they started, what changed, and where they are now.

Jean M. · Founding memberGet debt free

“I now have a Calm Money roadmap to a better financial future. I’m calm about money because I have an expert who has my back.”

Before joining
I was on target to earn over £50k in 26/27, but still not making the day-to-day finances work or able to overpay on my mortgage. My mortgage term had come to an end, and my credit rating meant the best remortgage options were off the table.
The doubt, and how it looks now
My main doubt was that I already had a problem with debt, and I was about to spend my little reserves on another training opportunity that could just tell me what I already knew, with no real solution to my problem at the end of it. One month in, those doubts have gone. The money went into the programme, but it was really an investment in me, my family and my future.
Doing now
I’m counting my money.
Read Jean’s full storyShow less
What tipped it
I thought that addressing how I managed the money I had coming in would improve my situation. That thought was perfectly timed with the launch of the Calm Money community.
Most valuable so far
The improvement in my financial literacy. Following the module, I confirmed I was a ‘Spender’, and that it was linked to my emotions. I had already cut back on buying for myself but was still buying for others. I’d think, ‘Ooh, that would make a nice present for someone at Christmas’, without even knowing who, or ‘Let me just stop and have a nice restaurant lunch here’. Now I avoid shopping for things I don’t need. If I catch myself wandering into a shop to browse, I stop and ask why I went in, and whether there was a trigger.
The support
Peter is patient, kind and listens. When I eventually opened up about my financial concerns, he was empathetic and didn’t seem fazed by what felt to me like a huge problem. He was, I would say, calm about the money issue. Where he didn’t know something, he found another expert in that area to talk to the group or to me. I’ve realised that, practically, some things take time to resolve, and as long as I’m engaging with my creditors, not burying my head in the sand, they do understand. I’m emotionally calmer about my finances, because through this programme I’ve built a roadmap to a better financial legacy.
What it’s like
I expected a noisy (I mean lively!) WhatsApp group that I’d feel bad about not keeping up with, as I’m very busy. It was quite different. It’s relaxed, and if work means I can’t make a meeting, that’s OK. There are modules to complete, but they’re reasonable and achievable. I spend about three hours a week on it.
What I’d tell a friend
When we were at school, we didn’t have financial literacy training to help us understand real-world money. You may not be doing anything wrong, but you could be doing it better with the right roadmap. Calm Money helps you understand who you are and what money is to you, so you can help the people you want to help now and leave a lasting legacy.

Jean joined Calm Money as a founding member, on our original programme with monthly group meetings. Today’s options are set out below.

Choose how you’re supported.

Every option includes the full five-module programme, the community and Peter’s monthly update, with 12 months’ access.

At your pace

For self-starters who want the full system to work through on their own.

£397

Start at your pace
See what’s included

What’s included

  • 5 modules, 64 lessons, 2.5 hoursFrom Reset to Investing, at your own pace.
  • Money personality testFind out your money personality, with practical tips based on it.
  • Practical toolsExercises and guides to put every module into action.
  • The Calm Money communityShare wins, swap tips and stay motivated with other members.
  • A monthly update from PeterA short recorded update on what’s changed in UK money and what it means for your system.
  • Workshop libraryReplays of Peter’s workshops, such as how to tell if you’re investing enough.
  • 12 months’ accessThe content library and its tools are yours to come back to.
Recommended

At your pace with coaching

For people who want a check-in every quarter to stay on track.

£1,297

Join with coaching

Pay in one go, or £397 today then 9 monthly payments of £100. No interest, no extra charge.

Want full support? Start with coaching now, and upgrade when the next full support intake opens.

See what’s included

Everything in At your pace, plus

  • Onboarding callStart with a one-to-one with Peter to set your goals and map out your timeline.
  • 4 quarterly coaching sessionsOne every three months, across 12 months.
  • Review & accountabilityTrack your progress against the timeline you set and stay accountable to the goals that matter.
  • Adjust your planLife changes. Your income shifts. Your goals evolve. Get expert guidance to keep your system up to date.
  • Set your next three monthsLeave each session knowing exactly what to focus on until the next one.
Waitlist only · next intake opening soon

12 months of full support

For people who want Peter in their corner all year.

£2,997

Join the waitlist

10 places per intake, with instalments available. Join the waitlist to hear first when the next one opens.

See what’s included

Everything in At your pace with coaching, plus

  • Onboarding reviewStart with a one-to-one with Peter. Set your goals, get a professional review of your practical exercises, and map out a timeline for action.
  • 12 monthly live group callsOne a month. Q&As, workshops and professional guests. Module amplification sessions.
  • Peter on WhatsAppMessage Peter directly with your questions and get support when you need it.
  • 2 meetups a yearTwo in-person meet-ups during your 12 months. A chance to step away from the screen, meet the people on the same journey as you, and take stock of how far you’ve come.
Compare the options
At your pace£397With coaching£1,297Full support£2,997
Five modules, 64 lessons✓✓✓
Money personality test✓✓✓
Practical tools and guides✓✓✓
The Calm Money community✓✓✓
Monthly update from Peter✓✓✓
Workshop library✓✓✓
12 months’ access✓✓✓
Onboarding call with Peter–✓✓
4 quarterly coaching sessions–✓✓
30-day coaching guarantee–✓✓
Review of your practical exercises––✓
12 monthly live group calls––✓
Peter on WhatsApp––✓
2 in-person meet-ups––✓

12 months of full support

Join the waitlist

This option runs in intakes of 10 places. Leave your details and you’ll hear first when the next intake opens.

We’ll email you when the next intake opens, plus occasional updates from Peter. Unsubscribe any time. Privacy policy.

Both coaching options come with a 30-day coaching guarantee: if the coaching isn’t right for you, get your coaching fee back. See how it works.

Common questions.

How much time does it take?

The five modules are 64 short lessons, about 2.5 hours in total, so most people fit them around work. The real time goes into the practical exercises, applying each module to your own money.

Is this financial advice?

No. Calm Money is financial education. It teaches you how money works and helps you build your own system, it does not recommend specific investments or products for you. For regulated advice, speak to a financial adviser authorised by the FCA.

I’m in debt. Is this still for me?

Yes. Module 2, Breaking the Debt Cycle, gives you a clear plan to pay it off, and the programme shows you how to balance clearing debt with building savings and, later, investing.

“I realise some things take time to resolve. As long as I’m engaging with my creditors, and not burying my head in the sand, they do understand.” Jean M., founding member

I’m self-employed. Does it still work?

Yes, and it’s especially effective if your income is irregular. When your earnings depend on you, it’s easy to swing between feast and famine. We give you a system to stabilise your finances and end that cycle.

What’s the difference between the three options?

Whichever option you choose, you get all five modules, the money personality test, the practical tools, the Calm Money community, Peter’s monthly update and the workshop library, with 12 months’ access that you can renew at the end.

At your pace with coaching adds an onboarding call and four quarterly coaching sessions with Peter, helping you put what you learn into practice and keeping you accountable to the goals you set in Module 0.

12 months of full support includes everything in At your pace with coaching, plus 12 monthly live group calls, WhatsApp access to Peter and two in-person meet-ups.

What is the monthly update?

A short recorded video from Peter each month on what’s changed in UK money, such as interest rates, inflation or the Budget, and what it means for your debt, your safety net and your investing. It also includes a seasonal check of your system and one action for the month.

It’s general education, not financial advice. It isn’t live, so questions for Peter belong in your coaching sessions or live calls.

Where are the meet-ups?

Our in-person meet-ups are in the UK, with dates announced well in advance so you can plan around them and secure your spot.

Can I pay in instalments?

Yes. At your pace with coaching can be paid as £397 today, then 9 monthly payments of £100. That’s £1,297 in total, with no interest and no extra charge. 12 months of full support can also be paid in instalments, and we’ll set out the options when your place in an intake is confirmed. At your pace is paid upfront.

If you’re currently paying off high-interest debt, don’t put this on a credit card. Start with At your pace and focus on Module 2 first. You can move up to coaching later.

What if it’s not right for me?

Our coaching options are built around action, so our guarantee is too. Complete Module 0 and attend your onboarding call. If the coaching still isn’t right for you, let us know within 30 days of joining and we’ll refund your coaching fee: £900 on At your pace with coaching, or £2,600 on 12 months of full support. You keep At your pace for the rest of your 12 months.

No awkward conversations, no pressure.

At your pace is the content library itself, and you get all of it the moment you join, so it isn’t refundable once you’ve started.

“You may not be doing anything wrong, but you could be doing it better with the right roadmap.”

Jean M. · Founding member
Join Calm Money