Simple
Full
—
Total balance
R 0
Across 0 accounts
Income
—
Expenses
—
Savings rate
—
Budget used
No budget set
Cash flow
—
Income
Expenses
Average
1M
3M
6M
1Y
Total balance
—
0 accounts
Income
—
Expenses
—
Savings rate
—
Your accounts
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Get a straight answer on your spending
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Subscriptions & bills
Recent transactions
Accounts
Manage your bank accounts · balances & reconciliation
Account Balances Summary
Quick Reconciliation
Money Ledger
All income, expenses & transfers
This month
R 0
Net cashflow
Money in
R 0
0 transactions
Money out
R 0
0 transactions
Largest
—
No transactions yet
↕
No transactions
Import a CSV or add manually
Spending Trends
6-month history · patterns & insights
Overview
Category Breakdown
Patterns
Year vs Year
YTD income
R 0
Jan–now
YTD expenses
R 0
Jan–now
YTD net
R 0
Year savings rate
Income vs Expenses — Last 6 Months
Spending by Category — This Month
Top 5 Category Trend Lines
Monthly Summary
Budget Planner
Set limits · track spending in real-time
Limits
What-If
History
Manual
Set your own limits
Manually define spending limits per category.
Budget Rollover
Unspent budget carries forward to next month
Category Limits vs Actual
Budget Summary
Total BudgetedR 0
Total ActualR 0
RemainingR 0
Over Budget0 categories
Subscriptions
Recurring monthly charges · cancel & save
Monthly Cost
—
Annual Cost
—
Active Services
0
Active Subscriptions
Bill Calendar
Upcoming bills & payment dates
—
Bills This Month
0
Total Due
R 0
Next Bill
—
Calendar
Bill
Custom
Payday
MON
TUE
WED
THU
FRI
SAT
SUN
Upcoming Bills
Add Custom Bill / Payday
12-Month Forecast
Projected savings · cashflow projection
Projections are illustrative estimates based on your transaction history. They are not guaranteed and do not constitute financial advice regulated by the FCA (UK) or FSCA (SA).
Forecast Table
Override Assumptions
Forecast Note
Import transactions for an accurate forecast.
Savings Goals
Track your financial milestones
Goals
Compound Calculator
Strategies
Savings Rate
0%
Add income & expenses to calculate
Quick Projection
Your Goals
Split Bill
Debt Payoff
Your path to financial freedom
Total Debt
R 0
Monthly Payments
R 0
Annual Interest
R 0
Est. Payoff
—
Your Debts
Repayment Strategy
Avalanche
Snowball
Amortisation Simulator — Extra Payment Impact
Net Worth
Assets minus liabilities · your true wealth
Net Worth
R 0
Assets
R 0
Liabilities
R 0
Debt Ratio
—
Live Account Balances
Auto-calculated from transactions · transfers excluded
Manual Assets
Liabilities
Breakdown
Net Worth History
Auto-snapshots monthly · manual snapshots anytime
Travel Budget Planner
Plan your trips · itemise costs in any currency · track monthly savings needed
Forex & Offshore
Foreign accounts · SARB allowances · FX rates · offshore holdings
SARB Annual Allowances
Tracks your SA Reserve Bank forex outflows for the current tax year (Mar–Feb).
Single Discretionary Allowance
Up to R25,000 — no SARS approval needed
R0
/ R25,000
Discretionary Allowance
Up to R1,000,000 — no TCC needed (post-2022)
R0
/ R1,000,000
Foreign Investment Allowance
Up to R10,000,000 — requires SARS Approval PIN
R0
/ R10,000,000
FX Calculator
—
Foreign Accounts & Forex Holdings
Exchange Rates (ZAR)
—
Investment Hub
SA investment vehicles · allocate your surplus
Monthly Surplus
R 0
Allocated Monthly
R 0
Unallocated
R 0
Strategy Tips
My Portfolio
Track your actual holdings & performance
Total Invested
R 0
Current Value
R 0
Gain / Loss
R 0
Return %
0%
Holdings
Allocation by Type
Benchmark Comparison
Bank Feeds
Auto-import transactions from your bank
Class & Banking
Where you stand · goals to upgrade
Your Income Class
SA Income Class Spectrum
South African Banking Packages — Your Eligibility
Orange border = recommended for your income. Dimmed = income requirement not yet met.
International Banking Access
Goals to Unlock Next Tier
Your Income Bracket
Add income transactions to see your UK income bracket and tax band.
UK Income Tax Bands 2026/27
Personal Allowance
Up to £12,570 · 0% tax
Basic Rate
£12,571 – £50,270 · 20% tax
Higher Rate
£50,271 – £125,140 · 40% tax
Additional Rate
Over £125,140 · 45% tax
UK Banking Tiers
Basic / Current
Barclays, Lloyds, HSBC — free everyday banking
Premium
Monzo Plus, Revolut Premium — ~£5–7/mo perks
Private Banking
Coutts, HSBC Premier — £75k+ salary or £50k+ savings
Business
Starling, Tide, HSBC Kinetic — free for sole traders
Financial Health Score
Holistic wellbeing rating out of 100
—
Add transactions to calculate
Score Breakdown
Action Plan
Financial Milestones
Financial Insights
Personalised tips from your data
Insights
Monthly Report
Anomalies
AI Advisor
Powered by Groq · financial summary only — no raw transactions sent
Not financial advice
Klar is not a regulated financial adviser. AI responses are for informational purposes only and do not constitute personalised financial advice regulated by the FCA (UK) or FSCA (SA). For regulated advice, consult an authorised financial adviser.
Data disclosure
When you send a message, a financial summary (average income, expenses, account & debt counts) is sent to Groq's servers in the USA. Raw transactions, names, and account numbers are never included.
GROQ · LLAMA · FINANCIAL SUMMARY ONLY — NO RAW TRANSACTIONS SENT
Quick Questions
Your Financial Snapshot
Focus Mode
Designed for ADHD · Autism · Anxiety · Dyslexia
Today's One Task
How Are You Feeling?
Payday Countdown
—
days until next payday
Top 3 Priorities Right Now
Money Mood Board
A quick snapshot of your financial health — based on cashflow, goals, and debt.
Sensory & Accessibility Settings
Dyslexia-friendly font
OpenDyslexic style — wider letter spacing
Large touch targets
44px minimum buttons
Reduce visual noise
Hide decorative elements
Reading mode
Plain text, no icons or emoji
Money Routines
Habit scaffolding · structured financial check-ins
Your Custom Routines
Visual Budget
Money without numbers · instant visual capacity
Jar Method
Where Your Money Goes
Stokvels
SA rotating savings groups · track your contributions
Active Stokvels
0
Monthly Contributions
R 0
Next Payout
—
Your Stokvels
Regulatory Guide
NASASA Registration
Stokvels with 100+ members or R100k+ p.a. should register with NASASA.
NCR & Credit Act
Stokvels that charge interest or act as lenders must register with the NCR.
SA Stokvel Statistics
11+ million South Africans participate. Over R50 billion cycles annually.
SARS & Tax
2026/2027 tax year · South African tax toolkit
Individual
Company (CIT)
Trust
Income Tax Calculator
2026/2027 Tax Brackets
| Income Range | Rate |
|---|---|
| R1 – R245,100 | 18% |
| R245,101 – R383,100 | 26% |
| R383,101 – R530,200 | 31% |
| R530,201 – R695,800 | 36% |
| R695,801 – R887,000 | 39% |
| R887,001 – R1,878,600 | 41% |
| R1,878,601+ | 45% |
Primary rebate: R17,820 · Secondary (65+): R9,765 · Tertiary (75+): R3,249
TFSA Tracker — Annual & Lifetime (Section 12T)
Key Filing Deadlines
Individual ITR12 (eFiling)—
Provisional Tax (1st)—
Provisional Tax (2nd)—
TFSA Annual LimitR46,000
TFSA Lifetime LimitR500,000
RA Deduction Limit27.5% / R430,000
CGT Annual ExclusionR50,000
UIF Calculator
Unemployment Insurance Fund — both employee and employer contribute 1% of monthly salary (capped at R17,711.58/mo)
Capital Gains Tax Calculator
40% inclusion rate for individuals. Annual exclusion R50,000. Primary residence exclusion R2M.
Retirement Annuity — 2/3 Rule & Lump Sum Planner
Two-Pot Retirement System — Effective 1 Sep 2024
How It Works
From 1 September 2024, all future retirement fund contributions are split: 1/3 into a Savings Pot (accessible once per tax year) and 2/3 into a Retirement Pot (locked until retirement). Existing funds stay in a Vested Pot under old rules.
Savings Pot Rules
Access once per tax year. Minimum withdrawal R2,000. Taxed as income (added to your taxable income for that year). Emergency use only — withdrawing early significantly reduces retirement savings.
Retirement Pot Rules
Cannot be accessed before retirement (age 55+). At retirement: up to 1/3 as lump sum, 2/3 must buy an annuity. Same rules as old RA apply.
Cost of Early Access
Withdrawing R10,000 from your savings pot today could cost you R50,000–R100,000 at retirement due to lost compound growth. Think carefully before accessing.
Petrol Cost Tracker
Fill-Up History
Load-Shedding Cost Tracker
Track Your Eskom Costs
Log generator fuel, candles, UPS battery replacements and other load-shedding expenses. See the real monthly cost of load-shedding on your budget.
Monthly Impact
Recent Expenses
Grants & Relief
Government support programmes · 2025 amounts
SASSA Grants (2025)
Housing & Youth Support
SMME & Business Funding
Customise
Personalise Klar to your needs
Personal
Theme
Dark
☀
Light
Light
⬤
Hi-Con
Hi-Con
Warm
⚫
AMOLED
AMOLED
Font Size
Display Density
Display Preferences
Region
Changes currency, tax tools, and bill providers
Amounts look wrong after switching region?
Resets the currency conversion baseline to match your current region — use this if your numbers look multiplied or divided by an exchange rate incorrectly
Compact sidebar
Currency symbol
Show cents
Display decimals on amounts
Accent Colour
Iris Violet
AI Advisor — Groq API Key
Required to use the AI Advisor and AI month summaries. Get a free key from console.groq.com and paste it below. Your key is stored locally in your browser only and sent directly to Groq.
App Lock
Set a 4-digit PIN to lock Klar when you leave the app. You'll be prompted to enter it when you return.
Enable PIN lock
Locks app after 1 minute in background
Notifications
Get alerted for upcoming bills, budget overruns, savings milestones & more — even when the tab is in the background.
Data Management
To import bank transactions via CSV, go to Accounts and tap "Import" on any account.
Category Rules
Klar learns a rule each time you re-categorise a transaction. You can also add rules manually.
Subscription & Billing
Klar Free
Local storage only · No cloud sync or AI
Invite Friends
Share Klar with friends and family. When they sign up, they get 30 days of Essential free — and so do you when they subscribe.
Help & Support
Have a question, found a bug, or need help with a feature? Our support team usually responds within a few hours.
Privacy & Data Rights
Klar is designed local-first. Your financial data stays on this device unless you choose to enable cloud sync or AI features. You have full control over your data at all times.
Data location
Local device
Stored in your browser only
Consent status
Your Rights (POPIA · GDPR · CCPA · LGPD)
Access & Portability
Download all your financial data in machine-readable format
Rectification
Edit any transaction, account, or record directly in the app
Erasure — Local
Delete all data stored on this device permanently
Erasure — Cloud
Delete your Supabase cloud backup and sign out
Erasure — Account
Permanently delete your Klar account, cloud data, and login — cannot be undone
Third-Party Processors
☁
Supabase (Cloud sync — optional)
Your encrypted data backup · USA/EU servers · GDPR-compliant
Groq (AI Advisor — optional)
Financial summary only, no raw data · USA servers
Medical Expense Tracker
Track out-of-pocket medical expenses vs what your insurer / medical aid covers
Log Medical Expense
Expense History
Vehicle Cost of Ownership
All your vehicle expenses in one view — petrol, insurance, repayments, maintenance
This Month's Vehicle Costs
Petrol Fill-Up History
Month-End Checklist
Auto-generated from your data
Retirement Readiness
Based on your actual spending and investment data
Projected figures are illustrative estimates based on the inputs you provide. They do not constitute regulated financial advice (FCA / FSCA). Past performance does not predict future results. Consult an authorised financial adviser for personalised retirement planning.
Calculator
Scenarios
FX & SARS
Your Retirement Number
10%
4% Withdrawal Rule
Safe Withdrawal Rate
The 4% rule: withdraw 4% of your fund in year 1, adjust for inflation annually. Empirically, this sustains a portfolio for 30+ years.
ITR12 Estimator
Estimate your SARS refund or tax liability for the year
Income Sources
Deductions & Credits
Estimated Assessment
Fill in your income details
What to Declare Checklist
Cashflow Forecast
Projected balance based on your recurring patterns
Projections are illustrative estimates based on your transaction history. Not guaranteed and not regulated financial advice (FCA/FSCA).
Monthly Breakdown
Forecast Assumptions
TFSA Tracker
Tax-Free Savings Account — lifetime limit R500,000
Lifetime Used
R 0
of R 500,000 lifetime limit
R 500,000 remaining
2026/2027 Annual Allowance
Contributed This Year
R 0
of R 36,000 annual limit
R 36,000 remaining
Growth Projection
TFSA Rules & Tips
UK Tax
Income Tax & National Insurance estimator — 2026/27 tax year
Your Details
Tax Breakdown
Enter your salary above to see your tax breakdown.
2026/27 Income Tax Bands
Personal Allowance£12,570 — 0%
Basic Rate£12,571 – £50,270 — 20%
Higher Rate£50,271 – £125,140 — 40%
Additional RateOver £125,140 — 45%
Personal Allowance tapers by £1 for every £2 of income over £100,000. It reaches £0 at £125,140.
2026/27 National Insurance (Employee)
Below £12,570/yr0%
£12,570 – £50,270/yr8%
Above £50,270/yr2%
Self-employed pay Class 4 NI only (6% on £12,570–£50,270, 2% above). Class 2 was abolished from April 2024.
ISA Tracker
Individual Savings Account — £20,000 annual allowance 2026/27
Used This Tax Year
£0
of £20,000 annual ISA allowance
£20,000 remaining
Lifetime ISA (LISA) Bonus
2026/27 Contributions by ISA Type
ISA Rules 2026/27
Junior ISA (JISA)
Student Loan
UK repayment calculator — Plan 1, 2, 4, 5 & Postgrad Loan
Your Details
Enter your balance and salary to see your repayment estimate
Repayment Breakdown
All Repayment Plans
Property Tracker
Bond, equity and rental income overview
Total Portfolio
Bond Amortisation
Insurance Policies
Track all your cover in one place
No policies yet
Add your car, home, life and income protection policies
Monthly Premiums
Renewals Due
UIF Calculator
Unemployment Insurance Fund — estimate your benefit
Your Details
How UIF Works
Savings Rate
What percentage of your income are you saving?
Current Savings Rate
—%
Breakdown
Savings Rate Trend
Rate Benchmarks
Target Savings Rate
20%
Bill Reminders
Never miss a payment
Bill Hub
Quick access to your service providers — log payments & open portals
How Bill Hub works
Select a provider, enter your account number (saved for next time), then open their payment portal or log a manual payment. Klar records the amount for your spending history.
Recent Payments
No payments recorded yet
Business Loans
Facilities, term loans, overdrafts & credit lines
Loan Facilities
Repayment Timeline
SA Business Funding Sources
Fixed Asset Register
FAR · depreciation tracking · SARS wear & tear
Asset Register
Depreciation Schedule (This Year)
SARS Wear & Tear Allowances (s11(e))
Grocery Lists
Plan your shop · track prices · link to budget