Koody - Personal finance for under 35s in the UK

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Ready to take control of your finances? Stay on top of your money in 12 simple steps.

Set a Goal

Do you have a financial goal? That's always a great place to start.

Create a Budget

You need a budget or financial plan so you never run out of money.

Build an Emergency Fund

If you lost your source of income, how long could you live off your savings?

Plan for your Short-term Goals

Going on vacation soon? Saving for your wedding? What are the best ways to save for short-term goals?

Plan for your Long-term Goals

Saving for a house deposit? Planning for children? Have money you don't plan to touch for 5+ years? What do you do with this money?

Get Creditworthy

To get a mortgage or any form of credit now and in the future, you're going to need a good credit report.

We believe that young adults should have the tools to empower them to become financially independent and retire early.

Click on any of the buttons below to take advantage of our free money management tools.

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Elderly people

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Ever had a question so long or so personal, you knew search engines wouldn't deliver a useful answer? Try asking the Koody Community.

A girl with dark brown hair

Hi all. I have a question about student loans. I'm a recent graduate and I just started my first job. I’ve got about £30k in student loans and I am currently earning £50k annually. Would you advise me to aggressively repay my loan (say 1k-1.5k per month)? Or is it better to put my money into investments and start building up my emergency fund? From what I've gathered, it's better to pay off my loans before saving money or investing. What do you think?

Student Loans Recent Graduates Investing

A girl with red hair

Hi, I am 24. I have a stable job, and I am really good with money. I plan to buy a house in five years and would like to know how my credit score would affect my mortgage application. I also need advice on how to improve my credit score. I have only been in the UK for 3 years, and from my understanding, it is something to be built over time. A colleague just told me about Loqbox. I’d love to know if anyone here has had any experience with websites like Loqbox, what your experience was and if you trust them.

Mortgages Credit Credit Score

A boy with light brown hair

Hi all! I registered my limited company with Companies House last year and my year end accounts are due in a couple of months. My startup hasn't had any financial transactions yet, so there is nothing to report. How do I prepare accounts when I have nothing to report? If you've been in this situation before, how did you go about preparing your accounts? My company isn't dormant though. I just don't have any transactions for that accounting period.

Startups Company Accounts Year End Accounting

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