Older woman and her adult daughter in a warm embrace.

We help safeguard the financial lives of older people.

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The Kalgera Way

Kalgera is an award winning concept for a digital personal finance manager tailored to the needs of older people. 

Every year 5 million older people in the UK fall victim to scams and this forms a large portion of the £38 billion lost each year in the UK to fraud. Kalgera means "good old-age" in Ancient Greek and we want to change this situation and are on a mission to safeguard older people and help them limit financial losses. 

Kalgera will use Open Banking regulation (also known as Open APIs) and cognitive neurology research to analyse past and present financial behaviour across all financial institutions. Kalgera then uses that data to detect and alert older people and their loved ones to unusual activity so action can be taken to prevent recurrent scams. 

Kalgera does all this without compromising PINs or account details. Kalgera is currently being built and will be accessible anywhere, anytime on desktop, mobile and tablet devices.

Kalgera will break the chronic scam cycle to help you reclaim your peace of mind. 

Our Awards

News and Press

With Kalgera, I would have been able to spend more time, emotion and energy on my and my parents’ wellbeing.
— Stefanie, daughter and caregiver

Our Platform


Our platform is designed and engineered to bank grade privacy and security. Trusted carers have access to a read-only aggregated view of transactions from selected accounts, as well as receiving reminders to act on time-sensitive matters such as expiring utility tariffs.


Kalgera is specially designed for older people. Easy-to-read large text in sharp contrasting colours helps the user move smoothly around the app and encourages better digital engagement.


Kalgera uses machine learning to closely monitor spending trends, so deteriorations in financial capacity can be identified earlier by older people and their trusted carers. Informed by medical research, this approach makes financial technology really work for older people.

Older woman with grey hair and wearing a white blouse with her adult daughter with black hair who is also wearing white.

Caregiver Survey

Do you help an older loved one with their finances? We are building a system that safeguards the financial lives of older people and need your help!