Personal cash-flow planning
Your money, mapped before you spend it.
ClearSpend turns balances, protected savings and upcoming bills into one practical estimate — then lets you test a purchase against the weeks ahead.
No bank connection
Export or delete your data
Overview
Your next 30 days
Available to spend
$2,028.40
Per day
$67.61
Protected
$350.00
Money map
- Available
- $2,028
- Committed
- $948
- Protected
- $350
30-day cash outlook
Committed bills included · expected income shown separately
Rent
−$900
Due tomorrow
Phone
−$48
In 5 days
Payday
+$1,850
Expected
Fictional numbers shown inside the real product structure.
The complete picture
See the decision, not just the balance
A balance alone cannot tell you what rent, subscriptions or protected savings have already claimed. ClearSpend puts those layers in the same view.
Cash-flow forecast
Balance after committed outflows
Lowest point
$1,080
Bills ahead
$948
Expected income
$1,850
Monthly spending
By category
Refunds reduce the category they came from, so spending is not overstated.
Purchase simulator
Ask “what if?” before the checkout
Model a purchase in full or installments. The plan stays untouched until you explicitly save it.
Proposed purchase
Laptop replacement
$600
Payments
3 monthly
Each
$200.00
Illustrative scenario. Interest is excluded unless you enter an APR.
Before purchase
$2,028.40
$67.61 available per day
After purchase
$1,828.40
$60.95 available per day
Your lowest point moves to $880
The second payment lands three days before expected income. Your protected amount remains untouched.
Available to spend is recalculated automatically — nothing is saved to your plan until you confirm it.
One connected plan
From today’s cash to the next decision
Each part answers a different money question, while sharing the same manually entered plan.
Map what you hold
Add cash accounts, cards and protected amounts. Credit limits never count as cash.
Schedule what is ahead
Place bills, income and installments on their real dates across 30, 60 or 90 days.
Make a deliberate call
Read the allowance, inspect the low point and simulate a purchase before saving it.
Simple pricing
One payment. The complete plan.
No subscription and no card stored with us. Payment is handled securely by Digistore24.
One-time · USD
$39.94
- Complete cash-flow planner
- Purchase and installment simulator
- Budgets, goals and reports
- CSV and JSON exports
- 60-day full refund
Questions