Your hard-earned salary isn't yours — rent, bills, savings, even that annual car service — they all take their cut.
Kulut shows you exactly how much is spoken for — so you can spend the rest guilt free.
No card required. Free while in beta.
Add your income and outgoings. We handle the maths.
Tell us what comes in each month and when pay day is.
Don't worry about exact amounts yet. Just tick what applies — we've made this bit super easy.
On pay day, we show you exactly what to move where. Done in 5 minutes.
No AI. No bank connections. Just the maths, done for you.
Bills go out automatically. Your spending money is kept separate.
No willpower needed.
Everything you need to tell you what you can spend. Nothing more.
Clear list of transfers to make. Tick them off as you go.
See what's due before next pay day. Bills reduce your spending money automatically.
Your spending money, broken down per week and per day. No surprises.
Annual insurance, MOT, holidays — set aside a little each month so they don't sting.
Our full feature list.
| 💰 | Income tracking | Set your monthly income and pay day |
| 🏦 | Unlimited accounts | Savings, bills, ISAs — add as many as you need |
| 📋 | Monthly expenses | Rent, subscriptions, utilities — track the essentials |
| 🗓️ | Sinking funds | Car insurance, annual bills — spread the cost monthly |
| 💳 | Credit card tracking | See what's due and reduce your spending money accordingly |
| 📦 | Pay day checklist | Exactly where to move your money |
| 🎯 | Real spending money | What's left per week, per day |
| 📊 | Budget ratios | Set your savings vs bills vs spending split |
| ⚖️ | Allocation splits | Divide savings and investments across multiple accounts by percentage |
One plan. No surprises.
Everything you need. Nothing you don't.
Get started£5/month after beta ends.
Free for life for beta testers.