Personal finance. Finally clear.
Full-picture finance tracking for UK and South Africa. AI advisor that reads your real numbers — not a chatbot with a script.
Works in your browser — no download, no install.
What you get
No scattered apps. No manual reconciliation. Klar pulls your full financial picture into a single, honest view.
Ask anything. Get honest answers, not sales pitches. Powered by Groq and LLaMA — your actual numbers feed every answer.
Transactions, budgets, debt, savings goals, investments, insurance. One screen. Zero gaps.
Built for both markets. Switch regions in one tap. Currency follows you — GBP and ZAR handled natively.
Your data stays yours. No ads. No selling your behaviour. No third-party analytics watching what you click.
Pick up where you left off on any device. Automatic and silent — backed by Supabase with row-level access security.
Core features free forever. Upgrade when you're ready — no credit card required, no dark patterns.
AI Advisor
Klar's AI reads your actual transactions, balances, and goals before it answers. No generic tips. No upsells. Just honesty.
Try the advisorPricing
No hidden fees. No bait-and-switch. Pay for what you actually use.
Family plan — coming soon · Cancel anytime · No credit card required for free tier
Why Klar
Every other budgeting app either hides behind a paywall, sells your data, or gives you a chatbot with a script. Klar gives you a real AI that reads your actual numbers — built for both UK and South Africa, then gets out of the way.
| Klar | Emma | Plum | YNAB | Cleo | |
|---|---|---|---|---|---|
| Live AI advisor | ✓ | ✗ | ✗ | ✗ | Waitlist |
| UK + South Africa | ✓ | ✗ | ✗ | ✗ | ✗ |
| Free tier | ✓ | ✓ | ✓ | ✗ | ✓ |
| No ads / no data selling | ✓ | ✓ | ✗ | ✓ | ✗ |
FAQ
Yes. Cancel your subscription at any time from within the app — no questions asked. You keep access until the end of your billing period.
Your data is encrypted in transit (TLS) and stored with row-level access security on Supabase's EU infrastructure. We never sell your data.
UK users can connect 2,000+ banks via Salt Edge open banking (Pro plan). SA users can manually import transactions. Direct bank connections for SA are on our roadmap.
The free plan includes transaction tracking, CSV import, and spending breakdowns — no credit card required. Net worth tracker, AI advisor, savings goals, and unlimited accounts unlock with Essential (£3.99/mo).
No. The AI advisor (powered by Groq/LLaMA) is included in the Essential plan and above at no extra charge.
Email hello@klarfinance.co.za and we'll get back to you — most questions are answered within a business day. There's also a full Help Centre covering privacy, billing, the AI advisor, and bank connections in more detail.
Investing in Klar
Klar is raising its seed round on Seedrs — SEIS/EIS advance assurance applied for and subject to HMRC approval. This is a ground-floor opportunity in a market every person with a bank account needs.
Questions? Reach the founder directly — hello@klarfinance.co.za