# ClearSpend: Budget & Expenses — Spending Tracker From Payday

> Spending Tracker From Payday (iPhone/iPad app by Omar Mahmoud.)

- Source: https://appshunter.io/ios/app/clearspend-budget-and-expenses/id6504681433 (this page in markdown: same URL + `.md`)
- Developer: [Omar Mahmoud](https://appshunter.io/developer/1676464122)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 17+
- Requires: iOS 15.5 · 70 MB
- Languages: American English
- Released: 2024-06-29
- Data updated: 2026-11-12

## What is ClearSpend?

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/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| ClearSpend Plus Monthly | $2.99 | per month |
| ClearSpend Plus Yearly | $29.99 | per year |


## Is ClearSpend safe?

Not enough ratings yet to assess ClearSpend.

## Is ClearSpend legit?

ClearSpend: Budget & Expenses appears to be a legitimate app. The AppsHunter Legitimacy Score for ClearSpend is 85 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 3.5.0 — 2026-11-11

Close the month your way
See what you did not spend and choose where it goes: next month, savings or a debt. Overspent? The rule you set handles it.

Start the month on your salary day
Budgets, safe-to-spend and insights now follow your pay cycle, with one budget per currency, including KWD, BHD and OMR.

Clio, now built on Claude
Chat about your money, build a budget in a short conversation, and turn a voice note with several items into separate entries. Receipts become drafts you review before saving.

Also new
- Home screen widget with your safe-to-spend
- Share receipts or bank messages into the app, then review before saving
- Offline-first sync across your devices, with guest mode
- Quiet notifications: at most one a day and three a week, with quiet hours
- 21 languages including Arabic RTL, plus light and dark themes

### 3.0.2 — 2026-10-09

Bug fixes, improved UI, and performance.

### 3.0.1 — 2026-10-07

Bug fixes, improved UI, and performance.

### 3.0.0 — 2026-09-29

Welcome to ClearSpend 3.0! Major transformation featuring bank-login-free budgeting, AI voice capture, smart receipt OCR scanner, Review Inbox safety buffer, Clio AI financial companion, and QR bill splitting.

### 2.0.0 — 2025-12-01

Major update — New modern UI, AI Assistant, receipt scanner (OCR), voice entry, improved analytics, multi-currency support, CSV export and cloud backup. Bug fixes and performance improvements.

## Apps similar to ClearSpend

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [cashbot](https://appshunter.io/ios/app/cashbot/id6749178674) | — | Free | Finance |
| [Money Map: Personal Budget](https://appshunter.io/ios/app/money-map-personal-budget/id6483940544) | — | Free | Finance |
| [PiggyPig Budget](https://appshunter.io/ios/app/piggypig-budget/id6741365041) | — | Free | Finance |
| [MyBudgetBuddy](https://appshunter.io/ios/app/mybudgetbuddy/id6741824528) | — | Free | Finance |
| [How I Spend My Money](https://appshunter.io/ios/app/how-i-spend-my-money/id6744576786) | — | Free | Finance |
| [Budgify: Expense Tracker](https://appshunter.io/ios/app/budgify-expense-tracker/id6758294572) | — | Free | Finance |

## More apps by Omar Mahmoud

- [MediHelp: Drug Guide & Dosage](https://appshunter.io/ios/app/medihelp-drug-guide-and-dosage/id6450958190)
- [Hundred: Greats of Islam](https://appshunter.io/ios/app/hundred-greats-of-islam/id6479013746)
- [StoryTime Bedtime Stories](https://appshunter.io/ios/app/storytime-bedtime-stories/id6504128407)
- [Sakina: Prayer Times & Quran](https://appshunter.io/ios/app/sakina-prayer-times-and-quran/id6505100912)
- [CosmoHelp](https://appshunter.io/ios/app/cosmohelp/id6727012603)

All apps by Omar Mahmoud: https://appshunter.io/developer/1676464122

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-12.*