Cleer Money FAQ
The short answers to what Cleer Money is, how the want or need method works, how it protects your bank data and what it costs.
About the app
Cleer Money is a simple Australian budgeting app for iPhone. It connects to your bank through the Consumer Data Right (Open Banking) and sorts each transaction into a want or a need, so you can see where your money actually goes. It is a lighter alternative to traditional budgeting apps and spreadsheets.
Yes, a simpler one. You do not have to plan every category or maintain a spreadsheet. You sort each purchase as a want or a need, and when you want more structure you can set weekly, fortnightly or monthly budgets. Cleer Money is built for people who find traditional budgeting tedious but still want to understand and shape where their money goes. If you want to see the difference, read about the want or need method.
It imports your transactions automatically, then you swipe each one as a want or a need. Over time it learns your merchant preferences with Smart Rules, so sorting gets faster. Insights then show your want and need split, weekly patterns and top merchants.
People who want a budget that does not take over their life, including anyone who has tried budgeting apps and given up. If plans and spreadsheets keep falling apart for you, Cleer Money is built for you.
Privacy, banks and pricing
Cleer Money uses accredited Consumer Data Right (Open Banking) access through Fiskil rather than storing your bank login. Access is read-only, so the app can never move or touch your money, and you can withdraw consent at any time. When consent ends, your CDR data is permanently deleted immediately. See our CDR Information page for the detail.
No. Cleer Money is funded by subscriptions only. It does not sell your data, show ads or refer you to lenders. Your banking data is used for one thing: showing you your own spending.
Australian banks available through the Consumer Data Right, including the big four (CommBank, ANZ, Westpac and NAB) and many others. Cleer Pro connects up to two bank accounts.
There is a free tier, Cleer Lite, which includes manual entry and CSV import, the want or need swipe, up to 3 budgets, insights for the current week, fortnight or month and streak tracking. Cleer Pro is $7.99 per month or $79.99 per year (saving about 17%) and adds automatic bank connection, unlimited budgets and full insights, including past periods and quarter, year and custom views. Prices are in AUD.
Not yet. Cleer Money is iOS only at launch. Android is something we would like to explore in future depending on demand.
No. It is built for the Australian market and Australian Open Banking. The bank connection only works with Australian banks.
Still have a question? Read the full method, browse Help or email support@cleermoney.com.au.