Credolay
Sign up

For households and small businesses

Keep track of yourfinancial health.

Your financial health, read from your own paperwork.

Start free

Free to open. No credit check.

DashboardSample household

Financial health

68 / 100

£42 safe to spend today · £310 left this month

Debt-freeMar 2027
Ways to save£58 / mo

What’s inside

Not a lender

We sell no loans or credit, and introduce nobody who does. Rates here are ones you were offered.

Your numbers, or nothing

Every figure comes from a document you scanned or something you told us. The app always says which.

Nothing counted until it’s real

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 free

For households and small businesses

Keep track of yourfinancial health.

We read your statements, bills and agreements, then hand back one report on where your money stands.

Financial health score
68/ 100
Goal85 · 17 to go

Three moves, found in this household’s own statements.

  • Two streaming plans overlapNetflix billed twice since March£13/mo+2 pts
  • Broadband is out of contractSame speed advertised at £24£18/mo+3 pts
  • Clear £400 of the overdraftTakes usage under a third of the limit+4pts
01 · Documents

Paperwork in. Plain English out.

Statements, bills and contracts, filed by kind and explained.

Scan a statement

Every line, dated and reconciled. Your figures start here.

Read it before you sign

Exit fees, notice periods and balloon payments, in plain words.

Can’t find it?

Describe it instead. We record it as yours, not as read.

Open in the app
Agreement
Car finance · 4 yrs
Early exit fee
Cost of credit£3,140
Sample figures
02 · Sheet

A spreadsheet that keeps its own balance sheet.

Type into it. The statements underneath keep up.

Four kinds of row

Money in, money out, what you own, what you owe.

Live totals

Change a figure and both statements move with it.

Your own ledger

Nothing you try here touches what your report is built on.

Open in the app
The business owes
£9,120
Equipment loan£6,400
Supplier credit£2,720
Sample figures
03 · Your ledger

See what it does, before you do it.

The whole position on one page.

Where you stand

One score, and the four things that actually move it.

Price a decision

Cost a purchase or an extra payment before you commit.

What you’ve kept

What you told us, and what your transactions confirm. Never mixed.

Open in the app
Financial health
68/ 100 · fair
What moves it
Cashflow74
Debt load38
Sample figures
04 · Full report

The whole picture, written down.

One document you can keep, print or hand over.

Built from your ledger

The same figures, in order, with the working behind each one.

Honest about the gaps

A thin section says so instead of printing a page of zeroes.

Free while in preview

It will be £5 later. Priced in advance, so nobody is surprised.

Open in the app
Saved this month
£24
confirmed in your transactions
Netflix · cancelledVerified
Broadband · switchEstimate
Sample figures
Not a lender

We sell no loans or credit, and introduce nobody who does. Rates here are ones you were offered.

Your numbers, or nothing

Every figure comes from a document you scanned or something you told us. The app always says which.

Nothing counted until it’s real

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 free