ClearPenny

7 days free · no card needed

Know where every penny goes.

ClearPenny is a simple budget you pay for once. Plan your month, see what's left, never miss a bill, and get a little help from AI along the way.

Start your free trialTry it with sample data

From $8.00, once. No subscription. No bank login.

Plan every dollar, then relax.

Give each category a plan for the month and see what's left as you spend. Leftovers roll over, overspending shows up early, and the budget style is yours: simple, 50/30/20, zero-based or envelopes.

Every transaction, sorted.

Add a purchase in seconds, type it in plain words, snap a receipt, or import a whole bank statement. Rules and AI suggest the category, and quick filters show this month, last month or any range.

See what's coming, not just what's gone.

Pro forecasts your balance for the next 90 days from your paychecks, bills and usual spending, and lets you try what-ifs before you commit. Your accounts add up to a net worth you can watch grow.

Everything a budget needs. Nothing it doesn't.

  • Goals and debt payoff

    Save for what matters and see your debt-free date with the snowball or avalanche method.

  • Import, don't type

    Bring in bank CSVs and PDF statements. Duplicates are caught and account numbers are masked.

  • Bill reminders

    See what's due before payday, and get an email reminder if you'd like one.

  • A little AI help

    A suggested budget from a few questions, automatic categories, Ask AI and receipt scan.

  • On your phone

    Install it like an app. Quick add even works offline and syncs when you're back.

  • Budget together (Pro)

    Share one budget with a partner or family, or keep a separate one for a side business.

Pay once. Budget for life.

No subscription, no surprise renewals. Start with a free 7-day trial of Base, and upgrade to Pro any time by paying the difference.

7 days free · no card required

Base

$8.00once, for life

  • Everything for budgeting on your own: monthly plan, bills, paydays, goals and debt payoff
  • Import bank CSVs, PDF statements and the Etsy spreadsheet
  • AI budget setup and automatic categories, included
  • 25 AI credits for Ask AI, quick add and receipt scan (1 credit each)
Try free for 7 days
Best value

Pro

$20.00once, for life

  • Everything in Base
  • Share a budget with your partner or family
  • 90-day cash flow forecast and what-if scenarios
  • Several budgets, and bulk statement upload
  • Subscription finder and an AI monthly summary, included (fair use)
  • 100 AI credits (4× Base)
Get Pro

Compare Base and Pro in detail →

Questions

Is it a subscription?
No. ClearPenny is a one-time purchase: $8.00 for Base or $20.00 for Pro, yours for as long as ClearPenny runs. No monthly fees.
Do I have to connect my bank?
No. You never give us a bank password. Add transactions as you go, or import the CSV or PDF statement your bank lets you download.
How does the free trial work?
Create an account and use ClearPenny Base free for 7 days, no card needed. After that your budget stays there to look at and download until you choose a plan.
What does the AI do, and does it cost extra?
The budget setup helper and automatic categories are included. Ask AI, type-it quick add and receipt scan use 1 credit each: Base comes with 25 credits and Pro with 100, and you can top up any time.
Is my data private?
We don't sell your data or use it for advertising, account numbers are masked, and you can download or delete everything in Settings. Details in our Privacy Policy.
I bought the ClearPenny spreadsheet on Etsy. What now?
Your purchase includes ClearPenny Base. Unlock it here with your order number, and bring your spreadsheet in with one upload.

Ready to see where your money goes?

Free for 7 days. No card, no bank login.

Start your free trialTry it with sample data