Clear Balance: Debt Tracker

Clear Balance just got better! Version 2.2 introduces a new in-app Assistant, achievements to celebrate your progress, a third repayment strategy and a host of improvements designed to make managing your debts simpler. Meet Clear Balance Assistant: Have a question about your debts or repayment plan? Ask Clear Balance Assistant. • Find out which debt your plan is currently focusing on and why. • Ask about balances, interest rates, minimum payments and repayment progress. • Understand what an expiring 0% promotional offer could mean for your plan. • Explore explanations of debt-free date changes and incomplete projections. • Ask follow-up questions without having to start the conversation again. Open the Assistant from the Dashboard or an individual debt to get answers relevant to the information you've entered. You can also navigate to useful parts of the app directly from your conversation. Need to update a debt? The Assistant can help you make supported changes, with a confirmation step before anything is saved. The Assistant works on your device, without sending your financial information to an external AI service. It's here to help you understand your plan, not to provide personal financial advice. Celebrate Your Achievements: Every step towards reducing debt deserves recognition. Clear Balance now tracks repayment milestones, from paying off an individual debt to reaching key percentages of your starting debt balance. Explore your achievements, see how far you've come and enjoy a little encouragement as you make progress. Milestone celebrations help make the journey feel less like a spreadsheet and more like something worth celebrating. Introducing Balanced: Snowball focuses on smaller balances. Avalanche focuses on higher interest rates. Now there's a third option. Balanced considers both debt balances and interest rates when prioritising repayments, offering another way to explore your options. Switch between Snowball, Avalanche and Balanced to compare how your estimated repayment journey could change. No single strategy is presented as the right choice for everyone. A Smoother Add and Edit Debt Experience: We've redesigned the debt wizard to make adding and updating information easier. • Clearer, step-by-step questions. • Relevant fields appear only when needed. • Improved handling of 0% promotional offers and their expiry dates. • An “I don't know” option when you're unsure of a debt's APR. • A tidier experience when managing Buy Now, Pay Later plans. The result is less clutter and a more straightforward way to keep your records up to date. More Helpful Planning: Premium users can explore the impact of additional monthly payments in Focus, alongside one-off extra-payment scenarios. We've also refined the Dashboard Assistant launcher, improved navigation between the Assistant and your plan, and polished a range of layouts and interactions throughout the app. As always, your information stays under your control. Clear Balance remains a privacy-first UK debt planner, with no bank connection required. Thank you for using Clear Balance. Every payment recorded and every milestone reached is progress worth recognising. Please note: Repayment dates, interest costs and potential savings are estimates based on the details you enter and the assumptions used. Clear Balance is an organisational and educational tool, not a source of regulated financial or debt advice. Some planning features require Premium.