Financial health platform
Understand your money.See what happens next.
One score from your own statements, and what happens next.
Start freeFree to open. No credit check.
Financial health
68 / 100
£42 safe to spend today · £310 left this month
What’s inside
We sell no loans or credit, and introduce nobody who does. Rates here are ones you were offered.
Every figure comes from a document you scanned or something you told us. The app always says which.
A saving is only counted once your own transactions confirm it.
Start where you are.
Free to open. No credit check. One statement is enough to start.
Start freeFinancial health platform
Understand your money.See what happens next.
One score from your own statements — and what any decision does to it, before you make it.
One score. Six things that move it.
Financial Health, 0–100, and the number it could be.
Cash flow, debt, credit health, savings, spending, resilience.
“Reach 74 by freeing about £180 a month.”
Credit health is read from your own ledger. It says so.
The whole picture on one page.
Income, spending, bills, debts, savings, assets, net worth.
Each one the same number the full report prints.
“Where am I wasting money?” — answered from your ledger.
After bills due, minimums and the buffer.
See what it does, before you do it.
What if? Before and after, on your own figures.
Pay off £2,000. Buy a car. Lose your income for three months.
The month, the safety net, the debt-free date, the score.
Rates come from your quote. Nothing is sold here.
What actually worked, from people who did it.
Real savings, with the before, the after and how.
Every post becomes a data point on a bill like yours.
A story becomes a 30-day challenge Credolay measures.
Shared only once your transactions confirm it.
Paperwork in. Plain English out.
Statements, bills and contracts, read and explained.
Every line, dated and reconciled. Your figures start here.
Exit fees, notice periods and balloon payments, in plain words.
The clauses, read against your month.
We sell no loans or credit, and introduce nobody who does. Rates here are ones you were offered.
Every figure comes from a document you scanned or something you told us. The app always says which.
A saving is only counted once your own transactions confirm it.