Personal finance, in plain English

Ask your money
anything.

Kora connects to your UK bank and answers like a financially-savvy friend. No charts to decode, no budgets to build. Just ask, and it knows.

Get early access
1,247 people already waiting
9:41
k
Kora
Here all day · Morning, Alex
Free
Safe to spend · til payday
£210
£1,240 balance · 6 days to payday
34%
k
Morning Alex 👋 What's on your mind?
Can I afford a £400 sofa right now?
k
Technically? Yes, but it'd be snug. You've £210 safe before payday, so that's dipping ~£190 into savings. Want me to spread it over 3 months at ~£133/mo?
Ask Kora anything…
Chat
Insights
Plan
Real questions, real answers

Most money apps hand you charts. Kora just gives you the answer.

The kind of thing you'd text a friend who's annoyingly good with money, except Kora actually knows your numbers.

Affordability
Can I afford a £400 sofa right now?
k
Technically? Yes, but it'd be snug. You've £210 safe before payday, so that's dipping ~£190 into savings. Want me to spread it over 3 months at ~£133/mo instead?
Habits
Why am I always broke by the 25th?
k
Brutal honesty? The oat lattes. 19 of them last month: £79.80. Add 11 takeaways at £187 and there's your missing week. Your future self says hi ☕️
Subscriptions
Did my Netflix sneak up again?
k
It did, up £2 this month to £15.99. You've also not opened it since March. Want me to cancel it for you?
Quick check
Am I okay 'til Friday?
k
You're grand 👍 £64 safe and nothing big due. Maybe skip the third coffee, but you've got this.
Upcoming bills
What's coming out before payday?
k
Four things, £187 in total: council tax tomorrow, then phone, Spotify and the gym. I've already set it aside, so your £210 safe-to-spend is properly yours.
Reality check
How much did I spend on Ubers?
k
£94 last month across 14 trips. Three of them were under a mile 👀 The 2am ones are the pricey culprits.
How it works

Set up in under a minute

1

Connect your bank

Securely link your UK bank account in seconds. Read-only. Kora can see, never touch.

2

Ask anything

Type like you would to a mate. Kora reads your real transactions to give you a straight answer.

3

Stay ahead

Kora nudges you before you overspend, flags forgotten subscriptions and keeps you on track to payday.

Safe to spend

Always know what's actually yours to spend

Kora works out what's left after bills, rent and upcoming payments, so the number you see is the truth, not your balance.

Real safe-to-spend, updated live
Days-to-payday at a glance
Ask follow-ups and Kora explains the maths
9:41
k
Kora
Here all day · Morning, Alex
Free
Safe to spend · til payday
£210
£1,240 balance · 6 days to payday
34%
Kora spotted
3 subscriptions you've stopped using
£47/month going spare.
D
P
A
Review →
k
Morning Alex 👋 What's on your mind?
Can I afford a £400 sofa right now?
k
Technically? Yes, but it'd be snug. You've £210 safe before payday, so that's dipping ~£190 into savings. Want me to spread it over 3 months at ~£133/mo?
Ask Kora anything…
Chat
Insights
Plan
Insights

Find the money you're quietly leaking

Everything's auto-categorised the moment it lands. Kora flags the weird stuff and the subscriptions you forgot you were paying for.

"Food & drink is up 40% this month"
3 unused subscriptions, £47/mo. Cancel in a tap
No manual tagging, ever
9:41
Spent this month
£1,422
May
Food & drink is up 40%
£312 this month vs £223 you normally spend. Mostly weekend takeaways.
By category
Bills & rent£540
Food & drink£312
40%
Groceries£204
6%
Shopping£146
12%
Fun & nights out£132
8%
Transport£88
3%
Subscriptions · £72.93/mo3 unused
D
Disney+
£7.99
P
PureGym
Not used in 2 months
£24.99
A
Audible
Not used in 2 months
£7.99
S
Spotify
£11.99
A
Adobe CC
Not used in 2 months
£19.97
Chat
Insights
Plan
Always on track

Always know if you're okay till payday

Ask how you're doing and Kora tells you exactly what's safe to spend, after it's quietly set aside every bill that's still due.

A real safe-to-spend number, not just a balance
Every upcoming bill reserved automatically
A daily pace so you reach payday with spare
9:41
Safe to spend · until payday
£210
6 days to go
k
You're fine 👍 I've already set aside everything that's due. Stick near £35 a day and you'll reach payday with a little spare.
Roughly per day
£35
over 6 days
Set aside for bills
£187
already reserved
Coming up before payday
C
Council tax
Tomorrow
£132
iD
Phone · iD Mobile
Wed
£18
S
Spotify
Thu
£11.99
P
PureGym
Fri
£24.99
On track for payday
Keep to your daily pace and you'll land on the 6th with about £40 to spare.
Chat
Insights
Plan
Built for trust

Your money data, treated properly

Open banking

Securely link your UK bank account in seconds. Read-only. Kora can see, never touch.

Read-only & encrypted

Kora can see balances, never move money. 256-bit encryption throughout.

You're in control

Disconnect any time. Your data is deleted within 24 hours, no questions.

k

Be first to ask your money anything.

Request early access and we'll let you in as soon as your spot opens.

1,247 people already waiting