# Klear: AI Financial Coach — Chat with your money

> AI financial coach for personalized debt payoff, savings, and spending insights. (iPhone/iPad app by Zachary Branson.)

- Source: https://appshunter.io/ios/app/klear-ai-financial-coach/id6747277046 (this page in markdown: same URL + `.md`)
- Developer: [Zachary Branson](https://appshunter.io/developer/1820558520)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.50/5 from 8 App Store ratings · 5 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 52 MB
- Languages: American English
- Released: 2025-11-22
- Data updated: 2026-08-26
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/klear-ai-financial-coach/id6747277046/reviews.md

## What is Klear?

Most money apps show you what you spent.
Klear helps you understand what to do next.

Meet Penny — your AI money coach who actually understands your life.
She helps you pay off debt, build savings, and make smarter decisions with your money — all based on your real spending.

Ask anything.
“How do I pay this off faster?”
“Can I afford that trip?”
“What should I do next?”

Penny gives you clear, personalized answers — not generic advice or confusing charts.

With Klear, you don’t just track your money. You understand it.

Klear is built to give you clarity and confidence in your financial decisions:

Personalized coaching
Penny learns your habits and gives you practical next steps that fit your life.

Simple, powerful budgeting
See where your money is going without getting lost in spreadsheets or complicated categories.

Debt payoff planning
Create a clear path to becoming debt-free and track your progress along the way.

Goal tracking
Stay motivated with visual progress toward the things that matter most to you.

Private and secure
Your data is protected with bank-level encryption and always belongs to you.

Klear makes managing money feel simple, clear, and human again.

No spreadsheets.
No financial jargon.
Just clarity, confidence, and control over your money.

Download Klear and start making smarter decisions today.

Terms of Use: https://useklear.com/terms

Privacy Policy: https://useklear.com/terms#privacy

## Key features

- AI-powered financial coaching
- Personalized spending insights
- Debt payoff planning
- Goal tracking
- Smart budgeting
- Bank-level encryption

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| BudgetGPT Premium Monthly | $9.99 | per month |


## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/klear-ai-financial-coach/id6747277046/reviews.md

### 5/5 — This is great

*2026-05-05*

I am so proud of my dad for making this app

### 5/5 — This is great

*2026-03-02*

This is a amazing app I love it it help me not spend that much money [̲̅$̲̅(̲̅ιοο̲̅)̲̅$̲̅]

### 1/5 — Great idea, wish it actually worked

*2025-12-12*

Unable to connect to credit union account.

### 5/5 — Great Product!

*2025-11-28*

My wife and I have always wanted a budget tracker, and with the AI incorporation on BudgetGPT, we are confident that our finances will flourish! We are excited about this!

### 5/5 — So helpful!

*2025-11-25*

This app is so helpful. The ai integration is intuitive and increases customization! Check it out! It will be time well spent!

## Frequently asked questions about Klear

### What is BudgetGPT?

BudgetGPT is an AI financial coach designed to help you manage debt, build savings, and make smarter money moves. It offers personalized advice based on your spending habits through conversational interactions.

### How does BudgetGPT personalize advice?

BudgetGPT learns your financial habits and provides next steps tailored to your life. It analyzes your actual spending to give real answers, unlike generic advice or charts.

### Is BudgetGPT secure?

Yes, BudgetGPT uses bank-level encryption to protect your data, ensuring your financial information remains private and secure.

### What are the pricing options for BudgetGPT?

BudgetGPT is free to download and use. It also offers a 'BudgetGPT Premium Monthly' subscription for $9.99 per month, which includes a 7-day free trial.

### What kind of financial goals can BudgetGPT help with?

BudgetGPT can assist with crushing debt, building savings, and achieving various financial goals. It provides clear, actionable plans and visual progress tracking to keep you motivated.

### Does BudgetGPT have ads?

No, BudgetGPT does not contain advertisements. The app focuses on providing a clean and supportive user experience without interruptions.

### What devices does BudgetGPT support?

BudgetGPT is currently supported on iPhone and iPod devices.

### How often is BudgetGPT updated?

The latest version of BudgetGPT is 1.0.7, and it was last updated on February 3, 2026, indicating regular maintenance and potential feature additions.

## Version history (last 5 releases)

### 1.0.9 — 2026-08-17

Design updates and bug fixes — including a refreshed dark mode, a redesigned budget category view, and clearer charts throughout.

### 1.0.8 — 2026-05-15

Welcome to Klear — the next evolution of BudgetGPT.

• Completely redesigned the app with the new Klear brand and design system
• Added Light Mode support
• Introduced Penny Personas for a more personalized AI experience
• You can now manually add transactions
• Added Goals to help you plan and track your financial progress
• Improved AI responses and overall coaching experience
• Added push notifications for smarter reminders and insights

Thanks for using Klear — more improvements are on the way.

### 1.0.7 — 2026-02-03

Added child categories for more detailed and flexible budgeting.
Improved overall budget management experience.
Bug fixes and performance improvements.

### 1.0.6 — 2025-12-23

UX improvements to AI features and minor bug fixes.

### 1.0.5 — 2025-12-10

This version contains bug fixes and other general improvements.

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## Related topics

[personal financial coach](https://appshunter.io/ios/topics/personal-financial-coach)

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*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 2026-08-26.*