ClearSpend: Budget & Expenses

Your month starts on payday, not on the 1st. Set a budget, spend against one clear safe-to-spend number, and when the month closes, decide where the leftover goes: next month, savings or a debt. ClearSpend is a privacy-first budget and expense tracker with Clio, an AI money assistant that turns receipts and voice notes into entries you review before anything is saved. No bank login. Works offline. Free to start. CLOSE THE MONTH YOUR WAY - Leftover money rolls into next month, moves to savings or pays down a debt - Overspent? Deduct it from next month or cover it from savings - Skip the review and the rule you set decides for you A MONTH THAT STARTS ON YOUR SALARY DAY - Pick the day you get paid; budgets, safe-to-spend and insights follow that cycle - One budget per currency, including three-decimal currencies like KWD, BHD and OMR CLIO, YOUR AI MONEY ASSISTANT - Chat about your spending, budgets and subscriptions - Build a personalized budget through a short conversation - Snap a receipt and Clio drafts the entry - Say "coffee 3, parking 2, lunch 12" and get three separate entries - Built on Claude, with an automatic fallback so you always get an answer CAPTURE FROM ANYWHERE - Share receipts, bank messages or screenshots into ClearSpend from any app - Everything lands in review first; nothing is saved until you approve it - Home screen widget shows your safe-to-spend without opening the app DEBTS AND SPLIT BILLS - Track what you owe and watch the payoff progress - Split dinner, rent or a trip and see who owes what OFFLINE-FIRST, ACCOUNT OPTIONAL - Add and edit with no signal; changes sync across your phones and tablets when you are back online - Guest mode: start without an account - Encrypted on your device; ClearSpend never asks for a bank login QUIET BY DESIGN - At most one notification a day and three a week, never during your quiet hours - 21 languages, including Arabic with full right-to-left layout - Light and dark themes FREE AND PLUS Budgets, tracking, month close, debts and split bills are free. Clio, receipt scans and voice entry come with free credits to try. ClearSpend Plus removes credit charges for $2.99/month or $29.99/year. Privacy Policy: https://omarmali.net/clear-spend/privacy/ Terms of Use: https://omarmali.net/clear-spend/terms/ Support: https://omarmali.net/clear-spend/support/