Clearday — Know what's clear to spend today

Your balance is not your budget.

Your bank shows what’s in the account. Clearday shows what’s left after everything already spoken for: bills, card statements, spending that hasn’t billed yet, and a buffer for surprises.

The example household’s cash, less everything already spoken for before payday.
In checking	$2,260.00
Rent · due Sat Oct 3	−$1,150.00
Card statement · Visa ····1007 · due Mon Oct 5	−$214.60
StreamingFri Oct 2−$15.49PhoneSun Oct 4−$65.00PowerTue Oct 6−$86.40InternetWed Oct 7−$70.00GymThu Oct 8−$29.99	−$266.88
Card spending not billed yet	−$96.25
Safety buffer	−$150.00
Clear until your Fri Oct 9 paycheck	$382.27

$382.27 ÷ 8 days until Fri Oct 9

Clear to spend today · Thu Oct 1

/ per day through Thu Oct 8

That’s the number Clearday shows you every morning.When it’s unsure, it shows you less, never more.

An example household. Not real data.

Held to the tightest day, not the average.

Rent is due Sat Oct 3 and your paycheck lands Fri Oct 9. An average of the pay window would count that paycheck and say $249.14 a day. Clearday checks every day until then, so today’s number is what lasts: $47.78.

Clear to spend today$47.78

Closing balances assume you spend $47.78 each day.

Hover a dayTap a day

An example household. Not real data.

The example household’s runway from Thursday October 1 to payday, Friday October 9.
Day	Closing balance	Events
Thursday October 1	$2,115.97	None
Friday October 2	$2,052.70	Streaming −$15.49
Saturday October 3	$854.92	Rent −$1,150.00
Sunday October 4	$742.14	Phone −$65.00
Monday October 5	$479.76	Visa ····1007 payment −$214.60
Tuesday October 6	$345.58	Power −$86.40
Wednesday October 7	$227.80	Internet −$70.00
Thursday October 8	$150.03	Gym −$29.99
Friday October 9	$1,962.25	Paycheck +$1,860.00

If it has a unit, code produced it.

Ask Clearday AI about your money in plain words. It never does the arithmetic. Every figure in an answer comes from Clearday’s engines and is checked against a ledger before you see it. A number that isn’t in the ledger never reaches you.

Illustration of the check

Every number in an answer is checked against this ledger before you see it.

Question: Can I spend $60 on dinner Saturday?

Clearday AI: Yes. You have $47.78 a day clear until your Friday paycheck. A $60 dinner on Saturday brings that to $40.28 a day.

The first draft said $40.00. It wasn’t in the ledger, so it never reached you.

Fact ledger
Clear today	$47.78
Payday	Fri Oct 9
Saturday dinner	−$60.00
After dinner	$40.28

Proposed change

Move 3 Corner Market purchases from Shopping to Groceries

Undo any time

Shopping · 3

Corner MarketSep 19−$23.64
Corner MarketSep 23−$18.79
Corner MarketSep 28−$31.42

Groceries · 0

No transactions

It can recategorize transactions, set a loan’s due date, or create rules, goals and bills. Each change waits for your approval. It cannot move money.

Or ask from the assistant you already use: Clearday works inside Claude, ChatGPT, Cursor and VS Code.

app.clearday.money/api/mcp

Connected apps get your real names and figures, and Clearday AI’s figure checks do not apply to what they say.

How connected apps work

An example household. Not real data.

Everything the number depends on.

Bills and paychecks, dated.
Recurring bills and paychecks are found in your history and laid out by date, so you see the thin week before you’re in it.
Debt, in the order that saves the most.
Interest paid
Snowball $9,470.48 · Feb 2031Avalanche $8,799.11
Jan 2031Today
Avalanche saves
$671.37
- Avalanche saves $671.37 in interest.
- Avalanche: $8,799.11 in interest, debt-free in January 2031. Pays off Personal loan, Mastercard ····4412, Auto loan, Student loan.
- Snowball: $9,470.48 in interest, debt-free in February 2031. Pays off Mastercard ····4412, Auto loan, Personal loan, Student loan.
Order: Personal loan, Mastercard ····4412, Auto loan, Student loan
Avalanche or snowball, run on each loan’s real amortization. See the payoff date and the interest each order saves.
Where a change helps most.
1. $3,850.64 one-time savingsEmergency fund · to cover 3 months of essentials
2. $1,408.33 one-time paydownCredit utilization · to bring Mastercard ····4412 under 30%
3. $519.18 one-time paydownCredit utilization (all cards) · to bring all cards under 30%
4. $202.56 per yearSubscription load · to bring subscriptions under 5% of income
Each row has its own threshold. Not a total.
Four checks: card utilization, what your subscriptions cost each year, a 401(k) match left unclaimed, and how many months your cushion covers. Each finding cites the transactions behind it.
A weekly note, and a nudge before each bill.
Card spending this week$96.25
Bills in the next 7 days$1,601.49
Fri Oct 2Streaming−$15.49
Sat Oct 3Rent−$1,150.00
Sun Oct 4Phone−$65.00
Mon Oct 5Visa ····1007 payment−$214.60
Tue Oct 6Power−$86.40
Wed Oct 7Internet−$70.00
A short weekly summary of what moved and what’s coming, and a reminder before a bill is due.

An example household. Not real data.

Built to read your money, never to move it.

No path back. Clearday cannot move money.

Read-only by design
Bank connections go through Plaid and can only read. Clearday cannot move money.
Your bank login stays with Plaid
You sign in to your bank inside Plaid. Your credentials never touch Clearday.
Encrypted, per user
Bank access tokens are encrypted with AES-256-GCM using a key unique to your account.
Never sold
We never sell your data. Export or delete it any time from Settings.

Read the security details

Try it with your own numbers.

Nothing you type leaves this page.

$2,260.00 − $1,631.48 − $96.25 − $150.00 = $382.27 ÷ 8 days

Get this every morning from your real accounts

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or $96 a year, $8 a month

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Clear-to-spend number, recalculated every day
Unlimited linked banks, cards and loans
Bill and paycheck forecasting
Debt payoff plan with real amortization
Financial health check-ups
Clearday AI assistant that can act on your account with your approval
Weekly digest and bill reminders
Export or delete your data any time

14 days free · No card

See what’s clear before you spend it.

Start free for 14 days

No card to start.

Know what’sclear to spendtoday.Knowwhat’s clearto spendtoday.

Your balance is not your budget.

Held to the tightest day, not the average.

If it has a unit, code produced it.

Everything the number depends on.

Bills and paychecks, dated.

Debt, in the order that saves the most.

Where a change helps most.

A weekly note, and a nudge before each bill.

Built to read your money, never to move it.

Read-only by design

Your bank login stays with Plaid

Encrypted, per user

Never sold

Try it with your own numbers.

One plan. Everything included.

See what’s clear before you spend it.

Your balance is not your budget.

Held to the tightest day, not the average.

Everything the number depends on.

Bills and paychecks, dated.

Debt, in the order that saves the most.

Where a change helps most.

A weekly note, and a nudge before each bill.

Built to read your money, never to move it.

Read-only by design

Your bank login stays with Plaid

Encrypted, per user

Never sold

Try it with your own numbers.

One plan. Everything included.