Find answers to common questions below, or reach out and we'll get back to you within 1–2 business days.
After creating your account, go to the Budget Setup tab. Enter your net monthly take-home income, then add expense categories. Mark each as Fixed (rent, car payment, subscriptions — auto-applied monthly, no logging required) or Variable (groceries, dining, gas — log these as you spend). A real-time bar shows remaining budget as you build. Click Finalize Budget when ready.
Fixed categories are bills you pay every month that don't change — rent, car payments, insurance, subscriptions. Set them once and ClearFlow counts them as spent automatically at the start of every month. You never log a fixed expense.
Variable categories are spending that fluctuates — groceries, dining out, gas. You log these each time you spend, either manually or by confirming bank-imported transactions. Your remaining balance updates in real time.
Click the Close Month button in the sidebar (desktop) or top bar (mobile). This generates your full month-end report — actual savings, category-by-category breakdown, over-budget categories, and savings recommendations. A summary email is sent to all household members. Your budget then resets with the same categories for the new month.
Yes. Go to Budget Setup, make your changes, and click Finalize Budget again. Re-finalizing replaces the current month's budget and clears variable expenses logged so far this month. Fixed expenses are re-applied automatically. Historical reports from closed months are not affected.
Yes. ClearFlow uses Teller.io for bank connections. Your bank login credentials are entered directly into Teller's secure widget and are never sent to ClearFlow. We receive only a read-only access token. The connection is strictly read-only — ClearFlow cannot move money or make any changes to your accounts. See our Security page for full details.
ClearFlow automatically syncs connected bank accounts once daily at 6:15 AM UTC. You can also trigger a manual sync at any time by clicking Sync now in the Bank Sync panel. Transactions appear in a review queue and are not counted as expenses until you confirm and assign them to a category.
Bank connections can disconnect when your bank requires re-authentication — common after password changes or security updates. To reconnect: go to the Bank Sync panel, click Connect Bank, select your bank, and complete the authentication flow again. Your rules and previously confirmed transactions are preserved. If the problem persists, contact support.
ClearFlow uses merchant name matching to suggest categories automatically but won't always be correct. Override the category when reviewing the transaction. Check Always use this category to save a merchant-to-category rule for the future. Saved rules appear in the Auto-Assign Rules section of the Bank Sync panel.
Yes. Go to the Bank Sync panel and click Disconnect next to the bank. This immediately revokes the connection and deletes the access token. Previously confirmed expenses remain in your budget, but no new transactions will be imported.
Go to the Profile panel and scroll to Add Member. Enter their name, email address, and a password for them. They'll receive a welcome email and can sign in immediately. Members have full access to the shared budget — viewing, logging expenses, reviewing bank transactions, and closing the month.
ClearFlow uses email-based two-factor authentication (2FA) on every sign-in. After your password, a 6-digit code is sent to your registered email. This protects your financial data even if someone obtains your password. Codes expire after 10 minutes and cannot be reused.
Check your spam or junk folder first. If the code has expired (codes are valid for 10 minutes), click Try again on the verification screen to restart the sign-in process and receive a fresh code. If the problem persists, contact support.
Go to the Profile panel, scroll to Change Password, enter your current password and new password (minimum 6 characters), then click Update Password. Your session remains active after the change.
Go to the Profile panel, scroll to Cancel Account at the bottom, and confirm with your password. If you are the household owner, this permanently deletes your account, household, all budgets, expenses, reports, and bank connections. This cannot be undone. If you are a member (not the owner), this removes you from the household only.