klarai
Your payslip makes no sense
PAYE, NI and pension lines appear before anyone explains what they mean.
PAYE tax code 1257L
NI Class 1
Pension ERS
Net pay pending
Beta is live · built for the UK
Your confusion is their business model.
Banks earn when you slip — overdraft fees, buried charges, jargon on purpose. Klarai is the other side: your payslip decoded, bills tracked, credit explained, and what's actually safe to spend — in plain English, before payday.
19+
Money tools
58s
To decode a payslip
£0
To get started
- Students
- Apprentices
- First-job workers
- Part-time earners
- 16-24 in the UK
Connects with your bank via Open Banking
Don't take our word for it. Upload one.
Try the real Payslip Decoder right now — no account, no email, nothing saved. Three free reads, then sign up if you want more.
Try it now — no signup
3 free reads left
Demo decode · June payslip
Gross pay£1,850.00
PAYE tax-£148.00
National Insurance-£132.40
Pension-£55.50
Take-home pay£1,514.10
This is a sample breakdown. Join the beta to decode your own payslip — three free reads, nothing stored unless you sign up.
Join the beta — decode yoursYour payslip photo is analysed and discarded — nothing is stored unless you sign up.
The problem
Money gets confusing fast.
Your bank shows the balance. It does not always explain what is actually happening.
Your balance lies because bills are still coming
A big number today can still leave you short by Friday.
Balance£740
Rent due-£625
Travel left-£52
Reality£63
Credit scores feel random
The number moves, but the reasons are buried in jargon.
Score movement-12
Reason unclear
Banks show numbers, not explanations
Transaction labels are often raw codes, not useful context.
TFL CPC 47822
DD THAMES WTR
HMRC PAYE RTI
The stand
We're not a bank. That's the point.
Banks profit when money stays confusing — overdraft fees, buried charges, jargon nobody explains. Klarai has no overdraft to sell you, no card to push, and none of your money to earn interest on. It only works when you understand your money. That puts us on exactly one side of the table: yours.
£2.4bn+
what UK banks made from overdraft fees in a single year, before the FCA stepped in (FCA, 2017)
39.9%
the arranged-overdraft interest rate at several of the UK's biggest banks today
£0
what Klarai makes from your debt, your slip-ups or selling your data — now or ever
No credit to sell you
We never profit when you borrow — so we will never nudge you towards debt.
None of your money held
We don't hold deposits, so your slip-ups earn us nothing. Confusion only pays them.
Everything explained
Every deduction, every charge, every score move — in plain English, or it doesn't ship.
Built with you, not for shareholders
Beta members shape the roadmap. Klarai is built with 16–24s across the UK, not just aimed at them.
Pick your side — join free
Free to start · no card required · not a bank, on purpose
Product
The stuff banks do not explain.
Every feature is built around real money moments young people meet first: payslips, rent, bills, credit habits and payday pressure.
Payslip Decoder
Your payslip should not feel like a tax puzzle.
Klarai turns gross pay, PAYE tax, National Insurance, pension and take-home pay into plain-English explanations. Upload a photo or PDF and get your breakdown in 60 seconds.
June payslip
DecodedGross pay
Monthly earnings before deductions
£1,850.00PAYE tax
Income tax taken from your pay
-£148.00National Insurance
Contribution for state services
-£132.40Pension
Workplace pension saving
-£55.50Take-home pay
Money landing in your account
£1,514.10Tax code 1257L usually means the standard tax-free allowance is applied.
Student Finance Calculator
Know your maintenance loan before it lands.
Estimate your Student Finance England loan on official 2026/27 rates, then build a real weekly budget for your uni city — rent included. No login needed to try it.
Student finance calculator
LiveEstimated annual loan
£10,227
Away from home, outside London · 2026/27 rates
Rent£650/mo
Bills + food£255/mo
Real weekly spending money£38
No login needed — build your real budget before your loan even lands.
Financial Twin
See what a money decision does before it happens.
Test purchases, rent changes, credit payments and bill leaks in one live consequence engine.
Financial twin
Live simulationIf I spend £38 tonight
Allowed£274
left after the decision
Money Time MachinePayday still safe
Rent SurvivalRent protected
Credit SimulatorUtilisation 23%
Bill Sniper£55 leak found
Klarai predicts the consequence before the user pays.
Payday Autopilot
Payday should protect your money before you spend it.
Split take-home pay into bills, essentials, savings and safe-to-spend before a big balance turns into a short month.
Safe-to-spend
ReadyCurrent balance£1,514
Bills reserved-£872
Food and travel estimate-£200
Buffer-£130
Safe to spend
£312
Credit Education
Credit scores are confusing. Klarai explains what may move them.
Track estimated score factors, credit habits and educational actions without promising score changes.
Estimated credit score
EducationalEstimated score
650
Utilisationmay help
Payment historyhealthy
Credit agebuilding
Suggested action: keep credit utilisation below 30% before the next statement.
Smart Money
Know what you can spend before Friday ruins Monday.
Spot spending patterns, upcoming bills and AI money insights before payday gets tight.
Smart money
LiveSpending trend
M T W T F S S
Rent · 1 Jul£625
Phone · 4 Jul£18
Travel · 7 Jul£52
You spend most on Fridays. A £30 weekly cap keeps payday safer.
Rent Check
Know if a rent number actually works before you say yes.
Enter a rent figure and your income and Klarai shows what share of your take-home it eats up, with a clear comfortable/tight/stretched verdict — the affordability gut-check before you even look at a listing.
£850/month, Manchester
Tight but workable36% of take-home
Recommended: under 30%
Rent is £850/month against a £1,514 take-home — workable, but bills and food will need a tight budget.
Monthly rent£850
Your take-home£1,514
Rent as % of income36%
Keeping rent under 30% of income gives you the most breathing room before bills.
Move Check · New
Know your chances on a rental before you apply.
Paste a Rightmove or Zoopla listing and Klarai checks it against your income, credit and spending — a readiness tier, the reasons behind it, and concrete steps to improve your odds.
2 bed flat, Manchester
Possible with changesPossible with a guarantor
Est. 40-55%
Rent is £950/month — your take-home is £1,514. Most landlords look for 2.5-3x rent in income.
Monthly rent£950
Your take-home£1,514
Income multiple1.6x
A guarantor would offset the income gap and strengthen your application.
Deposit Planner · New
Paste a listing. Know your real deposit and timeline.
Klarai reads the listed price straight off Rightmove or Zoopla, checks it against your actual payslip income, and shows the deposit you'd realistically need — plus a blunt "Live in Direct" AI mode if you want it straight, no softening.
2 bed terrace, Leeds
Live in DirectDeposit needed
£38,500
Listed at £195,000. Based on your income, lenders would offer around £156,500 — you need the rest as deposit.
Listed price£195,000
Est. income multiple4.5x
You'll get there in23 months
Saving £200 more a month gets you there 8 months sooner.
Job Compare
A bigger salary isn't always the better offer.
Compare two job offers side by side — salary, pension, bonus and city cost of living — so you can see real take-home difference, not just the headline number.
Senior Dev vs Lead Engineer
Real comparisonLead Engineer wins after cost of living
+£180/month
£72,000 in Manchester beats £65,000 in London once rent, pension and bonus are accounted for.
Senior Dev — London£65,000
Lead Engineer — Manchester£72,000
Real monthly difference+£180
The bigger salary doesn't win once London rent is factored in.
Squad Finance · Launching soon
Compare your real spending to people your age.
Once your bank is connected, see how your spending stacks up against typical 18-24 year olds in your city — with your actual numbers, not guesses.
Launching soon
We're finishing our Open Banking approval so your data stays fully protected. In the meantime, try the Payslip Decoder — see your money breakdown in 60 seconds.
Try the Payslip Decoder instead →
Subscription Graveyard · Launching soon
Find the subscriptions quietly draining your account.
Once your bank is connected, Klarai will surface forgotten subscriptions automatically so you can cancel what you don't use.
Launching soon
We're finishing our Open Banking approval so your data stays fully protected.
Try the Payslip Decoder instead →The difference
Your bank shows the numbers. Klarai explains them.
The same money data becomes useful when it is translated into plain English.
Your bankRaw
HMRC PAYE RTIunknown
NI CLASS 1unknown
DD THAMES WTRunknown
TFL CPC 47822unknown
TAX CODE 1257Lunknown
KlaraiExplained
Income tax taken from your payReady
National Insurance contributionReady
Water bill paid by Direct DebitHealthy
Travel spendWatch
Standard tax-free allowance codeReady
Vs. everyone
Other apps show you numbers. Klarai explains what they mean.
Emma charges £4.99/month for features Klarai gives you free. Cleo forgot the UK existed. Monzo shows a balance. None of them explain your payslip.
| Feature | Klarai Free | Cleo | Emma | Monzo |
|---|---|---|---|---|
| Payslip decoder | Yes | — | — | — |
| Built for UK 16–24 | Yes | — | — | — |
| Cut The Crap mode | Yes | — | — | — |
| Financial Twin | Yes | — | — | — |
| Squad Finance | Soon | — | — | — |
| Subscription Graveyard | Soon | — | — | — |
| Student Finance Calculator | Yes | — | — | — |
| Move Check (tenancy approval odds) | Yes | — | — | — |
| Deposit Planner (Rightmove + AI) | Yes | — | — | — |
| Free core features | Yes | — | £4.99/mo | Bank |
| Open Banking | Soon | — | — | Native |
| Plain English explanations | Yes | — | — | — |
Feature comparison based on publicly available information. Accurate as of July 2026. Cell-level marks follow Klarai’s published claims; competitor ticks were not extractable from the source table.
Introducing
Meet Klar.
Klar is Klarai's AI money assistant — not a scripted chatbot. She reads your decoded payslip and your connected bank data before she answers, so you get your real numbers, not generic advice.
- → Reads your payslip and bank transactions for specific answers
- → Two personalities — straightforward, or Buck Mode for brutal honesty
- → Plain English, zero jargon, zero AI waffle
- → Free to try — Plus unlocks unlimited chats
KlarLive
Why is my take-home so much less than my gross pay?
Your payslip shows £1,850 gross. PAYE tax takes £148, National Insurance takes £132.40, and your pension takes £55.50 — leaving £1,514.10 take-home. That's 18% gone to tax and NI, which is normal on tax code 1257L.
Can I afford a £300 phone right now?
Your balance is £412 and rent (£625) is due in 4 days. That phone would leave you £112 short. Wait until after payday.
New mode
Keeping it a buck.
Switch to a mode where the AI doesn't agree with you just because you want it to. It holds its position. It uses your numbers against you. It doesn't fold.
- → Pushes back on bad financial decisions
- → Uses your actual data as its argument
- → Doesn't accept the justification
- → Won't fold — even if you push back three times
Klar · Keeping it a buckActive
I deserve this £200 jacket, I've worked hard.
You've also got £0 in savings and payday is 11 days away. Hard work doesn't change the maths.
You don't understand, I never treat myself.
You spent £340 on food last month. That's not never treating yourself.
That was different.
How.
It just was.
Okay. You've still got £23 until Friday.
Walkthrough
See Klarai in action.
Five app screens, one idea: explain the money before it becomes a problem.
Klarai · Dashboard
Safe-to-spend
ReadyCurrent balance£1,514
Bills reserved-£872
Food and travel estimate-£200
Buffer-£130
Safe to spend
£312
Recent activity
WatchPayslip decoded
Rent reserved
AI money insight
Payslip decoded
DecodedGross pay£1,850.00
PAYE tax-£148.00
NI-£132.40
Take-home£1,514.10
Credit education
Educational650
Utilisation22%
Payment historyhealthy
Smart money
LiveYou spend most on Fridays. A £30 weekly cap keeps payday safer.
Privacy controls
Encrypted at restOn
Sell dataNever
Open BankingRead-only, soon
Real situations
Built for real UK money situations.
Klarai is not pretending every month is tidy. It is built for first payslips, rent, travel, food and the awkward week before payday.
Gross £1,850 · PAYE -£148 · Take-home £1,510
First payslip from a new job
PAYE, NI and pension explained line by line.
Rent in 2 days · Phone in 5 days · Safe £312
Trying not to go broke before payday
Bills are reserved before safe-to-spend is shown.
Estimated 650 · Utilisation 22% · Action saved
Starting to care about credit
Estimated score factors become plain credit habits.
Part-time pay · Irregular income · Bills reserved
Working part-time while studying
Irregular pay gets separated from fixed costs.
Rent · Travel · Food
Splitting rent, travel and food
Weekly spending gets grouped into real-life buckets.
PAYE explained · NI explained · Pension explained
Figuring out tax, NI and pension
No jargon. No finance guru nonsense.
Free tool · no login needed
Starting uni in 2026? Know your loan before it lands.
Drag the slider — that's your estimated maintenance loan on official 2026/27 SFE rates. Then build a real weekly budget for your uni city, rent included, and find out what you can actually spend.
Quick estimate · 2026/27
LiveEstimated annual loan
£9,512
≈ £3,171 per term · living away, outside London
Estimate based on official SFE rates for 2026/27 — not financial advice. Check gov.uk/student-finance for your official figure.
New — the biggest thing we've built
Introducing Klarai Student.
No bank connection needed. Just talk to Klarai for 30 seconds a day — what you spent, what came in, what you saved — and get a running picture of your loan, your rent and your money built entirely from your own voice. Then name a goal and Klarai tells you, plainly, whether it lands.
Daily voice diary
30 seconds, no typing, no bank link.
Loan-aware
Disbursement countdown, term budget pacing.
Goal Planner
“Car by March?” Klarai does the maths and doesn't sugar-coat it.
AI-parsed automatically
Say it once, Klarai sorts the rest.
£2.99 /month for verified students — or £24.99/year
Verified with a UK student email. Cancel anytime.
Pricing
Free to start. Plus when you want more.
Klarai's core money clarity is free forever. Plus unlocks the full AI toolkit for the moments free advice doesn't cover.
Free
£0
Forever — no card needed
- 3 payslip decodes a month
- Credit Builder basics
- Spending overview
- Rent Check
- Move Check
- Job Compare
Most popular · Plus
£6.99/month
or £59.99/year — save £24
- Unlimited payslip decodes
- Financial Twin — full access
- AI Money Assistant
- Credit Trajectory & action plan
- Subscription Graveyard
- Money Quests & Boss Battles
- Spend Wrapped & Personality
- Data export
Trust
Private by default.
Your data is encrypted. We do not sell it. Klarai is not a bank and does not give financial advice. It explains your money in plain English so you can make better decisions.
UK-focused
Encrypted data
No selling data
Educational guidance
Built for 16-24
Not a bank
Not financial advice
FAQ
Questions, answered.
Everything you want to know before you sign up.
Is Klarai a bank?
No. Klarai is a money clarity app, not a bank. We don't hold your money, issue accounts, or give regulated financial advice. We explain your payslip, credit, and spending in plain English so you can make better decisions.
How does the payslip decoder work?
You upload a photo or PDF of your payslip. Our AI (GPT-4o) reads every line — gross pay, tax, National Insurance, pension, student loan — and gives you a plain-English explanation of what each deduction actually means and why it exists. Free users get 3 decodes per month. Klarai Plus users get unlimited.
Is my data safe?
Yes. Payslip images are sent to OpenAI for analysis and are not stored by them beyond the request. We store only the decoded results in your account, encrypted at rest via Supabase. We never sell your data.
What does Open Banking actually give me?
With your permission, Klarai connects to your real bank via a regulated Open Banking provider to read your account balance and recent transactions — read-only, we can never move money. We're finishing our provider's production approval, so bank connection is launching soon. In the meantime, the Payslip Decoder and Student Finance Calculator work fully today, no bank connection needed.
What's included in the free plan?
The free plan includes 3 payslip decodes per month, credit score tracking, the safe-to-spend calculator, bill tracker, and basic AI insights. Everything you need to get started understanding your money.
What does Klarai Plus add?
Plus unlocks unlimited payslip decodes, the full Financial Twin, Klar (our AI money assistant), Credit Trajectory, Money Quests & Boss Battles, Spend Wrapped, and data export. Open Banking connection, Subscription Graveyard and Squad Finance are launching soon, once bank connection goes live. It's £6.99/month or £59.99/year.
Can I cancel my Plus subscription anytime?
Yes. Cancel any time from your billing settings — no notice period, no hidden fees. You keep access until the end of the billing period you've already paid for.
Does Klarai work for self-employed people?
The payslip decoder is built for PAYE employees, but the budgeting tools, credit tracker, and Klar work for everyone. Self-employed support with SA302 and tax estimates is on the roadmap.
Which UK banks are supported for Open Banking?
Our Open Banking provider supports most major UK banks including Barclays, Lloyds, HSBC, NatWest, Monzo, Starling, Revolut, and more. Bank connection is launching soon while we finish production approval — you'll see the full list when it goes live.
What is the Financial Twin?
The Financial Twin is an AI model of your finances. Feed it your payslip and bank data and it simulates decisions — 'what happens if I take this job offer?', 'can I afford this flat?', 'what if I start saving £200/month?' — before you commit to them.
Join the beta
Stop letting your bank confuse you.
Join the beta and understand your payslip, bills, credit score and safe-to-spend money in one place.
Join the betaMoney explanation preview
£312
safe to spend until payday
Payslip decoded✓
Bills reserved✓
Credit habits explained✓