Most budgeting apps are retrospective ledgers that tell you where the money went. Clear Budget is forward-looking: it projects solvency for the months ahead and warns about mid-month overdrafts before they happen.
What Clear Budget does
Most budgeting software is retrospective. Clear Budget looks forward instead.
Forward solvency
Projects the next two months and answers the only operational question that matters: will the balance hold?
Mid-month overdraft alerts
Catches the dip when bills cluster before payday, even when the month still ends positive; it also names the first month you would go overdrawn.
Credit card pressure
Per-card utilisation, interest and a six-month balance projection, colour-coded by available headroom. Credit-limit changes can be scheduled ahead so every projection honours them.
Bill and income timing
Per-month skips, amount and due-day overrides, paid and received flags and one-off entries, plus end dates for bills and a delete that leaves earlier months untouched.
Private by design
Per-user isolated databases with a bcrypt sign-in and read-only viewer packages. No cloud, no account servers.
25 currencies
Choose your currency once and every figure follows it. Defaults to GBP.
Four views, one question
Each tab is a different angle on whether the month (and the months ahead) holds together.
Monthly Budget
Bills and income for the month, with the running balance or projected month-end figure and a mid-month overdraft warning.
Solvency
Overdraft status, a day-by-day forward projection for the next two months and per-card utilisation bars.
Credit Cards
One panel per card with live pro-rated balances and a six-month projection strip across every card.
Archive
Completed months summarised by year, with drill-down into any individual month.
Explore
Why this exists
The reasoning behind the solvency model and the architecture that keeps it honest.
Download
Native packages for Windows, macOS and Linux, plus the FAQ.