Support

On first launch, ClearPath walks you through setup: your currency, primary account, pay schedule, safety net, and monthly bills. Not ready to commit? Tap Explore with Sample Data on the welcome screen to tour the app with realistic demo data — erase it anytime with Settings → Reset All Data.

ClearPath has no bank connection, so people sometimes picture hours of data entry. Here's what it actually looks like:

During the week — seconds, mostly zero. Apple Pay purchases can log themselves through a one-time Wallet automation (see "Log Apple Pay taps automatically" below). For cash or anything else, type coffee 4.50 into the quick-add field or tell Siri — ClearPath fills in the category, date, and account from your words. Miss something? Don't sweat it; the weekly import will catch it.

Once a week — about two minutes. Download your bank's CSV or Quicken file and import it (Activity → Import Bank File). Anything you already logged is skipped automatically, transfers and card payments are filtered out, and your category rules do the sorting. If a hand-logged entry slipped past the matcher, Find Duplicates cleans it up in one click. Before you close the importer, its built-in balance check asks whether ClearPath's balance still matches your bank's — one tap trues it up.

That's the whole system. Your Safe to Spend number stays honest all week from the quick captures, and the import trues everything up on the weekend. The two-minute weekly look isn't a chore to eliminate — it's the moment you actually see where your money went, and it's the habit every budget that works is built on.

1. In your online banking, export transactions as CSV, QFX, QBO, or OFX.
2. In ClearPath: Activity → Import Bank File (in the toolbar; also under Settings), choose the account, pick the file.

Re-importing overlapping date ranges is safe — ClearPath skips transactions it already has, detects duplicates across formats, and applies your category rules automatically.

Seeing the same purchase twice with dates a day apart? You logged it when it happened; the bank recorded the day it posted. Activity → Find Duplicates pairs those up for one-click cleanup.

Yes. Take a screenshot of your banking app's transaction list and copy it, then in ClearPath: Activity → Import Bank File → Paste Screenshot…. ClearPath reads the rows with your device's own text recognition and shows them as a confirmation list — payee, amount, date, and expense/income are all editable, and you check off exactly which rows to import. A running total above the button lets you eyeball it against the screenshot before committing.

The image never leaves your device: this is Apple's Vision text recognition, not an AI model and not a network request. Pasted rows carry the same duplicate fingerprints as file imports, so pasting twice — or importing the same transactions later as CSV or Quicken — skips what's already there.

Credit-card screenshots are read the card's way: plain or "+" amounts are charges, "−" amounts and payment or refund rows reduce the balance.

Prefer the Quicken download (QFX/QBO/OFX) when your bank offers it. Most banks' download menus offer several formats; they are not equivalent:

• Quicken files follow a standard. Any bank's QFX/QBO/OFX file imports into ClearPath, and each transaction carries a bank-issued ID that makes re-import duplicate detection exact.
• CSV has no standard — every bank invents its own layout. ClearPath recognizes several banks' CSV layouts, but a bank we haven't seen yet may be declined at import with a message about unrecognized columns. That's the file, not your data.
• Excel files aren't importable — export CSV or Quicken instead.

If your bank only offers CSV and ClearPath doesn't recognize it, tell us which bank via the support email at the top of this page — adding a bank's layout is usually quick.

Two different things keep your money picture accurate, and they update differently:

• Transactions you log as you spend (quick add, Siri, Apple Pay taps, transfers) move the account balance immediately.
• Imported bank rows fill in your history but never change balances — on purpose. If you logged a purchase when it happened, the balance already reflects it; applying the import again would count it twice.

So the balance drifts from reality by whatever you didn't log: bank fees, interest, the cash purchase you forgot. The fix takes ten seconds: after your weekly import, the importer's Balance Check shows ClearPath's number next to a field for what your bank says — if they differ, one tap sets it right. (You can also edit any account's balance directly, any time.)

A drift of a few dollars a week is completely normal. The weekly true-up is what keeps Safe to Spend honest.

When an imported row looks like a payment on a bill or loan you track — right amount, near its due date — the import dialog offers it for confirmation. Confirming does three things at once: links the row to that bill, splits off the interest portion, and reduces the loan's balance by the principal. That replaces the old routine of editing the loan's balance by hand after every import.

This is the one thing an import changes besides your history, and it only ever touches the bill or loan. Account balances are still never moved by an import — the Balance Check step remains the place to true those up.

Ignoring a suggestion leaves everything exactly as it was. And if you later delete, recategorize, or duplicate-clean a row you confirmed, the principal goes back on the loan automatically.

The Log in the sidebar records every change your transaction list can't show: balance edits and true-ups (with the old and new value, and where the change came from), loan balance changes with their interest/principal split, bills marked paid or moved back to Outstanding, pay-cycle rolls, imports, and confirmed bill matches.

Each entry notes which device made the change and syncs like the rest of your data. Entries are kept for six months. If a number ever looks wrong, the Log is the first place to look — it usually names the moment it changed.

Nothing's wrong — the two statements measure different things, and both can be true at once.

• Your balances and Safe to Spend answer "what do I have right now?" That's the cushion you've built up over every previous pay period.
• The Cash Flow diagram's "From balance" ribbon answers "which way did this period tip?" If a fortnight's spending ran, say, $145 past that fortnight's income, the gap was covered by money you already had — your cushion shrank by $145, but it's still there.

A single period like that is usually just timing, not overspending: a cluster of bills landing early in the period, a paycheck dated a day outside the window, or a deliberate extra debt payment from savings. Credit cards add another flavor — purchases count as spending the moment you swipe (the later card payment doesn't count again), so a period can "run past income" while your cash balance actually grew.

The thing worth watching isn't one period — it's the pattern. If most periods draw from your balances, the cushion is steadily shrinking, and that's exactly what the Net Worth chart and the Safe to Spend number are there to catch early.

Any account can be held in its own currency — pick it when creating or editing the account (31 currencies supported). The account shows its real balance in its own currency; app-wide totals like Safe to Spend and net worth convert at the day's European Central Bank reference rate. A rates card appears on the Dashboard whenever you hold a foreign-currency account.

Transfers between currencies ask what actually arrived — ClearPath pre-fills the day's rate, and you adjust it to match what your bank deposited. Holding two currencies at the same bank? See "One bank, two currencies" below.

Privacy note: rates come from a free public feed (frankfurter.app) via an anonymous request that includes nothing about you or your finances — and ClearPath only fetches at all if you actually hold a foreign-currency account. Prefer zero network activity? Pin your own rates in Settings → Exchange Rates and nothing is ever fetched.

Some banks (Wise, Revolut, EQ, and others) hold more than one currency behind a single login. It looks like one account, but underneath, each currency balance is its own account — its own account number, its own statement, its own transaction history. Set it up in ClearPath the same way: one account per currency, e.g. "Maple Bank USD" and "Maple Bank CAD", each with its currency set. Import each statement into its matching account.

What an exchange looks like. Say you convert US$1,000 into Canadian dollars. Both statements record their own side of the same event:

• The USD statement shows EXCHANGED FOR CAD — US$1,000 out.
• The CAD statement shows EXCHANGED FROM USD — CA$1,370 in.

After importing both files, ClearPath has both rows — the exchange is fully recorded, and each account's balance check trues up against its own statement. The rows just need the Transfer category so the money you moved doesn't count as spending on one side and income on the other. Easiest: add two category rules — EXCHANGED FOR → Transfer and EXCHANGED FROM → Transfer (match the wording your bank uses) — and every future exchange imports correctly on both sides, automatically.

Don't also add a manual transfer for an imported exchange. Manual transfers move balances; imported rows don't. If both statements already carry the exchange, a manual transfer on top counts the money twice. A manual transfer with a destination account is for the opposite case — when the receiving side isn't imported (say, sending money to an account you track by hand). Then ClearPath pre-fills the received amount at the day's rate, and you adjust it to what the bank actually deposited.

ClearPath is fully functional free for 14 days from first download. After that, a single US$9.99 purchase (shown in your local currency on the App Store) unlocks it forever — one purchase covers Mac and iPhone. There is no subscription. If your trial ends, your data stays intact and exportable; buying or tapping Restore Purchases picks up exactly where you left off.

Make sure you're signed in with the same Apple Account that bought the unlock (App Store → your profile). Then in ClearPath: Settings → One-Time Purchase → Restore Purchases. Still stuck? Email us with roughly when you purchased.

• Encrypted backup (Settings → Data → Export Backup…): everything, protected by a password you choose. We cannot recover a forgotten backup password — keep it safe.
• CSV export (Settings → Data → Export Transactions (CSV)…): a plain spreadsheet of all transactions that opens in Excel, Numbers, or any other finance app.

Sign in to the same iCloud account on both devices and ClearPath syncs automatically through your personal iCloud — no ClearPath account exists. First sync after installing on a new device can take a minute or two.

That's privacy mode. Tap the eye icon on the Dashboard to show or hide amounts everywhere, including widgets. On the Lock Screen, iOS additionally blurs amounts until Face ID recognizes you if you turn off Settings → Face ID & Passcode → Lock Screen Widgets. Prefer no numbers on the home screen at all? Add the Safe to Spend (Discreet) widget instead.

Every Apple Pay purchase can log itself — still with no bank connection. One-time setup on your iPhone. Make one automation per card, so each card's purchases land in the right ClearPath account:

1. Open the Shortcuts app → Automation tab → +.
2. Choose Wallet (“When I tap a Wallet Card or Pass”).
3. Under “When I tap,” check one card. Leave the categories checked and skip Filter Merchants.
4. Select Run Immediately — not “Run After Confirmation,” which would ask permission on every tap — then tap Next.
5. Tap Create New Shortcut, then search for and add the action Log Card Purchase (from ClearPath).
6. Wire the sentence “Log ___ at ___”: tap the first blank → Shortcut Input → Amount; tap the blank after “at” → Shortcut Input → Merchant.
7. Tap the blue › on the action to reveal Card Name, and type the card's ClearPath account name (e.g. “ATB Mastercard”) — don't insert a variable. Wallet's long card names rarely match your account names, but typed text always does.
8. Tap the checkmark to save. Repeat from step 1 for your other cards.

From then on, tap to pay and the expense appears in ClearPath within seconds — categorized by your own rules and recorded in the matching account. If Card Name is left empty, purchases fall back to your first cash account.

Say "Quick add in ClearPath", then describe the transaction naturally — like coffee 4.50 yesterday or got paid 2000. The same phrases work in the quick-add field at the top of the Activity screen. See examples in Settings → Siri & Quick Add.