Product

19 features. One money app.

Built for people in the UK who want to actually understand their money — not just see a balance and hope for the best.

Payslip

Payslip Decoder

Upload a photo or PDF. Klarai reads gross pay, tax, NI, pension and take-home in plain English.

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Students

Estimates the 2026/27 SFE maintenance loan from household income and where you live, then builds a weekly budget.

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Planning

Paste a listing. We check rent against take-home and give an honest readiness tier — likelihood, not a guarantee.

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Planning

See the deposit you would actually need against real payslip income, plus months-to-save.

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Planning

Is this rent safe on your wage? Get a plain-English yes, tight, or stretch — before you message the agent.

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Work

Two offers, one take-home gap. Tax, NI and commute still matter — decode a payslip to confirm.

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Plus

An AI model of your money. Ask what happens if you take the job, the flat, or start saving £200 a month.

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Payday

Bills reserved first. Then you see what is actually safe to spend until the next payday.

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Habits

Credit habits, streaks and quests that explain score movement without selling you a loan.

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