CLEARFLOW
Automated budget tracking

Know exactly
where every
dollar goes.

Connect your bank and ClearFlow automatically imports your transactions, sorts them into your budget categories, and keeps your savings projection accurate — without you lifting a finger.

Free forever
No credit card needed
Works on any device
Bank sync included
March 2025
Live
PROJECTED SAVINGS
$1,240.00
$820 unspent from variable budget
Income$5,800
Fixed$2,200
Spent$2,360
Free$1,240
61%
FIXEDRent & Utilities
$1,500/$1,500
FIXEDCar Payment
$700/$700
VARGroceries
$360/$500
VARDining Out
$180/$300
What it does

Everything your budget
actually needs.

Built around a simple truth: fixed bills never change, variable spending always does. ClearFlow treats them differently — and your finances finally make sense.

Fixed bills — automatic

Rent, car payments, subscriptions. Set them once and they auto-apply every month. No logging, no reminders.

Variable spending — tracked live

Log manually, import from bank sync, or upload a CSV. Remaining balance and savings projection update instantly.

Bank sync + CSV import

Connect your bank for automatic transaction importing, or upload a CSV export if you'd rather not connect. Both go through the same review queue before touching your budget.

Savings projection — always accurate

Every unspent variable dollar counts. The number updates in real time as you spend — no guessing, no surprises at month end.

Monthly reports — full picture

Close the month and get a complete breakdown: every category, where you struggled, and your actual savings. Reports are archived forever.

Recurring expenses — auto-logged

Mark any variable expense as recurring and it pre-logs itself every month. Gym memberships, subscriptions, weekly coffees — set once and forget.

Split transactions

One Costco trip shouldn't all be "Groceries." Split any transaction across multiple categories in seconds — each piece counts against the right budget line.

Shared households — built in

Add your partner, spouse, or roommates. Everyone shares the same budget, logs to the same categories, and gets the same monthly reports.

Zero manual entry

Connect your bank.
We handle the rest.

Most budgeting apps make you manually log every coffee, every grocery run, every tank of gas. ClearFlow can do that work for you — by connecting directly to your bank, or by importing a CSV export from your bank if you'd rather not link accounts.

Either way, every imported transaction goes through your review queue. ClearFlow reads the merchant name, matches it to a category, and lets you confirm with one tap — or set a rule so it never asks again.

Bank-level security
ClearFlow never sees your bank login. Connection is handled by Teller, a regulated financial data provider. Read-only access — no transactions can ever be initiated.
You stay in control
Every imported transaction goes through your review queue before it touches your budget. Approve it, reassign it to a different category, or dismiss it entirely — always your call.
Smart auto-assignment
ClearFlow recognizes thousands of merchants automatically. Whole Foods goes to Groceries. Shell goes to Gas. Netflix goes to Subscriptions. Save a rule once and it applies forever.
Works for the whole household
Each member can connect their own bank accounts. All transactions flow into the same shared budget so nothing slips through the cracks.
Don't want to connect? Use CSV.
Download a transaction export from your bank's website and upload it directly. ClearFlow parses the file, auto-matches categories, and queues everything for your review — no live bank connection needed.
Bank Sync — Needs Review 4 transactions
Whole Foods Market
Today • Auto-matched: Groceries
-$84.32 Confirmed
Chipotle Mexican Grill
Yesterday • Auto-matched: Dining Out
-$14.75 Review
Shell Gas Station
Mar 18 • Auto-matched: Gas
-$52.10 Review
Netflix
Mar 17 • Auto-matched: Subscriptions
-$15.99 Review
How it works

Up and running
in three steps.

01

Enter your income

Input your net monthly take-home pay. A real-time bar shows remaining budget as you build your categories.

02

Define your categories

Add fixed bills and variable spending buckets. Fixed expenses are auto-applied — no logging ever needed.

03

Track & close

Log expenses manually or let bank sync handle it automatically. Close at month end for your full report — then start fresh.

Your budget is waiting
to be understood.

Join ClearFlow and finally see where every dollar lives.

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CLEARFLOW
1
Your account
2
Your household
3
Add members

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CLEARFLOW
PROJECTED SAVINGS
INCOME$0
FIXED$0
SPENT$0
FREE$0
BUDGET UTILIZATION 0%
Fixed (auto) $0 Variable spent $0 Remaining $0
Budget Setup
Set your income and expense categories for this month
NET MONTHLY INCOME
$
ALLOCATED
$0 allocated of $0
ADD EXPENSE CATEGORY
$
Fixed bills are auto-applied every month.
YOUR CATEGORIES
No categories yet.
Log Expense
Variable categories only — fixed bills are automatic
AMOUNT
$
RECENT TRANSACTIONS
Categories
This month's spending breakdown
Monthly Reports
Tap any month to view the full breakdown
Profile
Account settings and security
0Reports
0Transactions
$0Total saved
Household name

Add a household member with full login access. They can sign in, view and log expenses, and manage the shared budget. Set their password below.

Dark mode
Switch between light and dark theme
Budget rollover
Carry unspent variable budget into the next month
Spending alerts
Warn when a category reaches 80% or is over budget
bcrypt password hashing
Passwords are hashed with bcrypt (cost 12) and never stored in plain text
ACTIVE
Two-factor authentication
A verification code is emailed to you every time you sign in
ACTIVE
Secure session management
httpOnly JWT cookies, signed server-side, 30-day expiry, SameSite protection
ACTIVE
Bank Sync
Automatically import transactions from your bank
No banks connected
Connect your bank to automatically import transactions. You review and assign each one to a budget category before it posts.
Merchants saved with "Always use this category" appear here.
Limited time — Free access

ClearFlow is free.
Not forever.

We're in early access. Right now everything is completely free — but that won't last. Lock in your free account before pricing goes live.

Unlimited budgets, categories & reports
Bank sync, CSV import & transaction review
Household sharing — add your whole family
No credit card. No catch. Free while it lasts.