ClearPenny

Pay once. Budget for life.

No subscription. Choose Base or Pro, and upgrade 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)
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)
Base and Pro compared
Compare plansBase$8.00 oncePro$20.00 onceBest value
Budgeting
Monthly budget, categories and rollover✓✓
Transactions, search, tags and rules✓✓
Bills, paydays and bill reminders✓✓
Savings goals and debt payoff plans✓✓
Insights: trends, net worth, year in review✓✓
Import bank CSVs and PDF statements✓✓
Bulk statement upload—✓
Works offline, installs like an app✓✓
AI
AI budget setup and automatic categories✓✓
AI credits included25100
Ask AI, type-it quick add, receipt scan1 credit each1 credit each
AI monthly summary—✓
Planning ahead
90-day cash flow forecast and what-ifs—✓
Subscription finder—✓
Together
Share a budget with a partner or family—✓
Several budgets (like a side business)—✓

AI credits. Ask AI, type-it quick add and receipt scan use 1 credit each. Top up any time: 100 for $3.00 or 500 for $10.00. Credits don't expire.

After the trial. Your budget stays put, read-only, until you choose Base or Pro. Nothing is deleted and you can always download your data.

Not sure yet? Try the full app with sample data, no sign-up needed.