Available now on iPhone · Open Banking (CDR)
You earn enough.
So where does it all go?
Cleer Money shows you what your spending is really costing you, and which habits are worth changing. A few swipes a week. No spreadsheets.
Free forever plan · Try Pro free for 7 days
“I’m embarrassed about how many subscriptions I didn’t realise I had. This app saved me a heap of money”
Private by design, built on Australia's Consumer Data Right
Sound familiar?
You're not bad with money.
You just can't see where it goes.
The coffee. The takeaway. The subscriptions. The shopping you barely remember. None of it feels big on its own, and then payday comes round and there's less left than you expected.
Cleer Money turns your real spending into a simple picture: what you needed, what you chose, and what's actually worth changing.
Inside the app
What Cleer Money shows you
Want or need? You decide.
One swipe per purchase. That small call is what turns a list of transactions into something that means something to you.
Know if you're on pace.
Weekly, fortnightly or monthly budgets that match your pay cycle and tell you where you're heading before payday.
See what one change is worth.
Find out what trimming your wants could free up each month, before you decide whether it's worth it.
Try it yourself
Want or Need? You decide.
The five-second check-in that changes how you see spending. Cleer Money brings your transactions in, and you decide whether each one was a Want or a Need. Try a few here, no sign-up.
Swipe the card, tap a button, or use your ← → arrow keys.
Your week, sorted
Here's your Want / Need split
If every week looked like this $0 a year on wants
Why not just use your bank's app?
More than your bank's spending categories
Your bank can tell you that you spent $600 on dining. Cleer Money shows you how much of it you actually wanted, whether it's creeping up, and what it means for the rest of your month.
Wants and Needs, not just categories
A work lunch and a Friday night takeaway both land in "dining". Your swipes show which spending you had to do and which you chose, and that's the part you can actually change.
What's creeping up
See how this week or month compares with the last, which categories are trending up, and get a heads-up when a regular bill goes up in price.
On pace before payday
A month-end forecast and budgets that follow your pay cycle tell you where you're heading while there's still time to do something about it.
Bills you'd rather not forget
Cleer Money picks up your regular payments, shows what's coming up, and reminds you the evening before one comes out.
Trends, forecasts and bill reminders are part of Cleer Pro with a connected bank.
How it works
Connect, swipe, see what it adds up to
There are no categories to set up and no spreadsheet to keep up to date.
Bring your spending in
On Pro, connect your bank through Open Banking (CDR) via Fiskil. It's read-only, so we can't move your money. On the free plan, add purchases yourself or import a CSV.
Swipe each purchase
Every transaction shows up as a card. Right if you needed it, left if you wanted it. On Pro, categories fill themselves in and Smart Rules remember the merchants you see every week.
See what it adds up to
Your wants, your top merchants, how this week compares with last, and whether you're on pace for the month.
Features
Simple to use. Private by design.
Open banking connection
Connect major Australian banks through the Consumer Data Right, the open banking framework regulated by the ACCC. Transactions sync automatically, and you can withdraw consent at any time.
The Want/Need swipe
One quick decision per purchase. Reviewing each one as a Want or a Need builds awareness that a budget spreadsheet never will, and Smart Rules auto-categorise the merchants you see every week.
Insights that mean something
Your Want/Need split, weekly breakdowns, busiest spending day, top merchants, savings rate and a month-end forecast. Set budgets and see whether you're on pace before the month gets away from you.
Privacy-first, by design
Your banking data is used for one thing: showing you your own spending. We never sell it, never use it for advertising, and never see your bank login. Delete your account and your data goes with it.
Compare
How Cleer Money stacks up
Honest side-by-side comparisons with the other budgeting apps Australians use, including where they do more than we do.
Pricing
Simple, transparent pricing
Start free. Upgrade when you're ready for the full picture.
Cleer Lite
Free
forever
- Manual entry
- CSV import
- Want/Need swipe
- 3 budgets
- Insights for this week, fortnight or month
- Streak tracking
- Not included: Bank connection
- Not included: Full insights & Smart Rules
Cleer Pro
$7.99
per month · or $79.99/year (2 months free)
- Everything in Lite
- Automatic bank connection (CDR)
- Unlimited budgets
- Past periods plus quarter & year insights
- Smart Rules & custom categories
- Weekly money summary
7 days free for new subscribers, then $7.99/month or $79.99/year.
Cancel anytime in your Apple ID settings · No lock-in contracts · Prices in AUD
Your spending is trying to tell you something.
Are you listening?
Cleer Money is live on the App Store. Download it free and start seeing where your money actually goes.
iPhone only · Free to start · Pro from $7.99/month with a 7-day free trial