Habits, debt & wealth
Debt freeis a habitnot a windfall
What Credolay does
A money desk for the order that actually works: spend, debt, security, then invest.
Most apps show a bank feed and leave you to decide. Credolay puts the month on a path — what is safe to spend, which balance to hit, when a buffer is enough, and only then whether to invest. Worked out from your own numbers, not a windfall you are waiting on.
See the month clearly
Income, bills and leftover on one line. Safe-to-spend is what is left after the essentials — not a guess.
Pay expensive debt first
Balances, APR and a date you will be free. Extra pounds go where they cut the most interest.
Build a buffer, then grow
A cash cushion before investing. Goals, property and markets sit behind the debt work, not in front of it.
Avalanche plan · extra £50 / mo · free by May 2029
Sample household — the same dummy figures as the score card above. Yours replace these after sign-in.
Inside the app
Four rooms. One journey.
Know what is safe today
Bills, money owed to you, and spending limits. Cut the subscriptions that no longer earn their place.
A plan against real APRs
Every balance on one timeline. See what an extra £50 a month does to the date you are free.
Grow what is left
Goals, pots and property once the expensive balances are moving the right way.
Ask, then act
Recommended next moves from your own ledgers — not a generic tip list.
We do not sell loans, credit cards or refinance. The plan is yours.
Figures come from ledgers you add or connect. Nothing is guessed from a credit file.
Credolay Ltd, company no. 15823741. Privacy and terms are public and short.
- Heavy: Cards, loans, overdrafts — the full weight, finally on one line.
- Managed: A plan against your real numbers, not a guess.
- Momentum: Balances moving the right way, month after month.
- Free: Debt-free, with a buffer under you instead of behind you.