Track every debt
Keep balances, payments, APRs and progress organised in one place.
Private by design - built for the UK
A clearer way to track debt and plan your payoff.
Clear Balance helps you organise debts, record progress, compare repayment strategies, test one-off payments and manage a monthly budget. The on-device Clear Balance Assistant helps you make sense of your plan, without connecting your bank.
No bank connection
Debt data stored locally
No behavioural analytics
Compare strategies
See how Snowball and Avalanche could change your route forward.
Plan realistically
Use the monthly budget and one-off payment tools before making changes.
Stay private
No bank connection, no adverts and no behavioural analytics or advertising tracking.
Inside the app
Four views. One clearer picture.
Your dashboard
See the whole debt picture.
Your balances, progress and projected route sit together in one place, so you can understand where you are without digging through menus.
Every debt
Keep everything organised.
Cards, loans, catalogues and more stay easy to scan. Record real payments as you make them and watch each balance move.
Real progress
See the work paying off.
Each update becomes visible progress. Instead of relying on memory, you can actually see the distance you have already travelled.
Discover
Learn as you go.
UK-focused articles and practical support live inside the app, ready when you need a little more context than the numbers alone can give.
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ASSISTANT
Meet the Clear Balance Assistant.
Have a question about your balances, your Budget or why your repayment plan changed?* Ask the Assistant in plain English and explore the answers using the information you have entered.
It works on your device using built-in rules and local plan data. There is no cloud AI chatbot, no bank connection and no need to send your debt details away to ask a question.
* Some personalised forecasts and what-if comparisons require Premium. The Assistant offers explanations and helps you review changes, but it does not make payments or give regulated debt advice.
Find out how the Assistant works Questions you can ask
- Which debt has my highest APR?
- Why did my debt-free date move?
- How does the Balanced strategy work?
- What happens when my 0% offer ends?
Ask from the Dashboard or open the Assistant from an individual debt. Available answers depend on your saved details and Premium access.
Clear Balance Premium
Turn tracking into a plan.
Premium brings the planning tools together so you can see when you could be debt-free, compare repayment strategies and understand what extra payments could change.
7-day free trial for eligible new subscribers
- Projected debt-free date
- Estimated future interest savings
- Snowball and Avalanche comparison
- Where to focus next
- One-off payment planning
Trust & clarity
A privacy model you can understand.
No bank connection
You enter what you choose. Clear Balance does not connect to your bank.
Encrypted local storage
Your debt and budget information is stored locally and encrypted at rest rather than uploaded to a Clear Balance account or server. Clear Balance also supports password-protected encrypted backups you control.
Limited Premium data
Only limited technical and purchase information is processed for subscription products, purchases, restores and Premium entitlement. Your debts and budget are not sent for that purpose.
No behavioural analytics
Clear Balance does not monitor screens, taps, sessions, feature use or your financial behaviour for product analytics, and does not use advertising identifiers for cross-app tracking.
FAQ
Privacy, Premium and your data.
What data does Clear Balance collect?
Your debt and budget information stays in the app, encrypted at rest, rather than being uploaded to a Clear Balance account. Limited technical and purchase information may be processed for Premium and support, and iOS may use Apple Search Ads campaign attribution.
Why use a device or app identifier?
It helps the subscription service confirm Premium status and restore access when needed.
Do you use adverts or analytics?
Clear Balance contains no adverts and uses no behavioural analytics or advertising tracking. Limited subscription and permitted campaign-attribution data is kept separate from the debt and budget information you enter.
Can Clear Balance see my balances?
Not as part of normal app use. Clear Balance does not upload your entered debt balances to a Clear Balance account or server.
