ClearPath budgets the way you're paid — by paycheck, not by calendar month. One number tells you what's truly spendable after the bills that land before payday.
One honest number, front and centreLiquid cash, minus what's due before payday, minus your safety net — with the things worth fixing surfaced underneath.
One purchase covers all of it — your data syncs through your own iCloud.
Spending, filteredBy category, payee, account, or any range of dates.
One timelineImported, typed, or spoken to Siri — the same list.
Your liquid cash, minus the bills due before your next payday, minus your safety net. One honest number, always current — on the Dashboard, in your menu bar, and on your home screen. Money that's technically liquid but already spoken for can be held out of it.
Give each category an allowance that refills every payday. Envelopes can roll unspent money forward, so annual fees and car repairs build a fund instead of blowing a period. ClearPath can draft your envelopes from your real spending history, and charts each one against the periods behind it.
Export CSV, QFX, or OFX from your bank and drop it in. Automatic categorization with rules you control, duplicate detection across formats, and no bank credentials — ever.
No export handy? Screenshot your banking app's transaction list, paste it in, and on-device text recognition turns it into a confirmation list — every row editable and checkable before anything is imported. No AI model, no network, nothing leaves the device.
When an imported row looks like a payment on a bill or loan you track, ClearPath offers it for one-tap confirmation — splitting off the interest and knocking the principal off the balance. No more hand-editing a loan after every import.
Snowball or avalanche, with payoff dates, interest saved, and a printable per-payday payment plan you can stick on the fridge.
Model the big ones before you sign: a mortgage at its true ownership cost (CMHC premium, renewal shock, rent-vs-buy compared all-in), financing a car, an affordability solve, a rate stress test, and where a lump sum does the most good.
Two lenses on the month: what actually got charged each day, or money crossing your cash accounts — paydays in, bills and card payments out on their due dates. Pick any future day to see what's left once everything through it has landed.
Give a card its due day and statement day and forecasts bill the closed statement, not whatever you've spent since. Cards you clear in full every month set aside the whole bill; the rest reserve the minimum.
Type "coffee 4.50 yesterday" — done. Or say "Quick add in ClearPath" to Siri. Home-screen widgets show your number at a glance, with a discreet no-numbers option.
Bill-spike alerts, possible double charges, subscription price-creep detection, and paycheck report cards. A Needs Attention card surfaces what's actually fixable — uncategorized spending, flagged rows, duplicate pairs, an overdue backup — and each tap lands on the fix.
Flag anything for a second look and write yourself a note — "split with partner", "ask the bank". Both are searchable, both sync, both survive a backup and a CSV export. Select a batch of rows to categorize or delete in one go.
Every change your transaction list can't show: balance edits and true-ups, loan balances with the interest/principal split, bills marked paid, pay-cycle rolls, imports. "Why is this number what it is?" finally has an answer you can read.
Net worth over time, cash flow by pay period or year to date, and spending by category — the classic views, minus the tax-prep bloat you'll never use.
Hold accounts — and bills — in any of 31 currencies. Balances show in their own currency; totals convert at daily ECB rates, with manual rates for offline purists.
Apps that "connect to your bank" hand your login to a third-party aggregator, keep a copy of your transactions on their servers, and charge you monthly to cover it. ClearPath uses the file your bank already exports — and everything changes downstream.
| Bank-linked apps | ClearPath | |
|---|---|---|
| Your bank login | Shared with an aggregator (Plaid, Yodlee…). Many banks warn this can void your fraud protection. | Never leaves your bank. ClearPath doesn't even have a place to type it. |
| Your transaction history | Stored on company servers, subject to their breach, their acquisition, their data-sharing policy. | On your devices and your personal iCloud. There is no server to breach. |
| Reliability | Connections break constantly — re-login loops, missing weeks, duplicate storms after every bank website update. | Your bank's own export file, imported deterministically. It works the same every single time. |
| Bank support | Depends on aggregator coverage — credit unions and smaller banks often break or aren't supported at all. | Every bank with an export button. And if yours is stubborn, a screenshot works. |
| What it costs you | $8–15 every month, forever — aggregator fees and servers have to be paid by someone. | One purchase. No infrastructure, so nothing to keep charging you for. |
Download your bank's CSV or Quicken file and open it in ClearPath. Categorization, duplicate detection, and bill matching do the rest — re-importing overlaps is always safe.
Bank makes exporting a chore? Screenshot the transaction list and paste it in. Text recognition runs on your device, and you confirm every row before it lands.
Apple Pay taps can log automatically through a one-time Wallet automation — no bank connection involved. For everything else, type "coffee 4.50" or tell Siri. The weekend import quietly reconciles against it all.
About two minutes a week. And that weekly look at your money? That's not overhead — that's the habit every budget lives or dies on. Auto-sync apps get ignored; yours won't be.
The pattern to notice: apps connect to your bank because subscriptions need servers and servers need justifying. Remove the connection and the subscription disappears with it.
The App Store shows the equivalent in your local currency.
ClearPath never connects to your bank and has no servers of its own. Your data lives on your devices and syncs through your personal iCloud, end-to-end under your Apple Account. We collect nothing — the App Store privacy label simply reads "Data Not Collected."