Household expense tracking
Where the household money actually went.
Clearifi pulls transactions in from your bank accounts through Plaid — or from the statements you already download — files them into your own categories, and measures the month against the budget your household agreed on.
Free tier, no card required. Upgrade only if you outgrow it.
- Bank connections
- Through Plaid · Canada & U.S.
- Statement import
- CSV and PDF
- Sign-in
- Password, plus optional authenticator app
$4,820
Waiting on you
3 to confirm
Filed below 80% confidence, so Clearifi held them back.
Where it went
- Housing
- $1,500
- Groceries
- $1,180
- Restaurants
- $640
- Utilities
- $520
- Transport
- $460
Budgeted
$2,300
Spent
$2,280
Remaining
$20
Most households already know roughly what they spend. What they don't have is the month written down in one place — because the numbers arrive as several statements, in several formats, at several different times, and reconciling them by hand is a chore nobody volunteers for twice.
What Clearifi is for
Ending the copy-and-paste from bank statement into spreadsheet — and then staying out of the way. It is a tracker and a budget, not a coach, and it will not tell you to give up your coffee.
How it works
Four steps, and then it keeps itself current.
Bring the transactions in
Connect an account through Plaid — Clearifi supports Canadian and U.S. institutions — and it keeps pulling new transactions as Plaid reports them. If your bank isn't covered, upload the CSV or PDF statement you already download. Either way, imports are checked against what you already have so the same purchase doesn't land twice.
Connect a bank
- Plaid Link
- Canada & United States
- Transactions only
Upload a statement
- .csv
- Duplicates flagged on import
Let it file them
Every transaction runs down a ladder of increasingly loose matches, and Clearifi records how sure it was. Anything under 80% is held back for you to confirm rather than quietly filed — which is the difference between a categoriser you can trust and one you have to audit.
Categorisation ladder
Fictional merchants- $84.60100% confidence — filed automatically
NORTHWIND GROCERS #402
Your rule — description contains "northwind"
- $12.0095% confidence — filed automatically
CEDAR LINE TRANSIT
Merchant history — you have filed this merchant before
- $96.4080% confidence — filed automatically
HALCYON WIRELESS AUTOPAY
Plaid category — mapped from the category Plaid returned
- $41.2570% confidence — needs review
ORCHARD ST MKT 1189
Keyword match — below 80% — queued for you to confirm
Agree on the budget
Set a monthly figure per category. Clearifi tracks the month against it and marks anything that has gone over — with a label, not just a colour — so the conversation at the kitchen table starts from the same numbers.
Illustrative monthly budget, using invented figures Category Budget Spent Left Housing $1,500 $1,500 $0 Groceries $1,200 $1,180 $20 Restaurants $500 $640 $140 over Transport $600 $460 $140 Read the month
Spending by category, month-over-month trend, and the merchants taking the largest share. When you need the raw rows — for tax season, or for a spreadsheet you already trust — export the year's transactions to Excel.
Monthly spending trend
Sample data — not a real householdIllustrative six-month spending trend: 2026-01, $4,120; 2026-02, $4,650; 2026-03, $4,310; 2026-04, $4,980; 2026-05, $4,540; 2026-06, $4,820.
Built for a household
The ledger belongs to the household, not to whoever signed up.
Most budgeting apps are built around one person, and a household is then bolted on as sharing. Clearifi is the other way around: the household is the root of the data model. Every account, transaction, category, budget and rule is filed under a household, and Postgres row-level security is what keeps one household's data out of another's — not application code that could forget.
Members carry a role — admin or member — and a household on Pro covers up to 5 people. There is no second, private set of numbers: everyone is reading the same month.
Sam
admin
Riya
member
Shared by both, scoped by household
- Bank connectionswho added it is recorded
- Accounts & transactionsone ledger, not two
- Categoriesnamed by you, not by us
- Budgetsper category, per month
- Categorisation ruleswritten once, applied for everyone
Enforced in the database with row-level security policies, so a query that forgets the household filter still returns nothing.
Security
Specific claims, or none at all.
“Bank-level security” means nothing. Here is what is actually true of this product, and — just as important — what it does not claim.
Your bank credentials never reach Clearifi
Signing in to your bank happens inside Plaid Link. Clearifi receives a Plaid access token for the connection and never sees, transmits or stores a banking username or password.
src/app/api/plaid/exchange-token/route.ts
Read-only. Clearifi cannot move money
The integration requests exactly one Plaid product — Transactions. There is no payment initiation, no transfer capability, and nothing in the product that can debit an account.
src/lib/plaid/client.ts
Disconnecting really disconnects
Removing a bank connection calls Plaid's item-removal endpoint, so access is revoked at Plaid rather than merely hidden from your dashboard.
src/app/api/plaid/disconnect/route.ts
One household cannot read another's data
Row-level security is enabled on every table — accounts, transactions, budgets, categories, rules — and policies scope each row to its household. The boundary is enforced by Postgres, not by application code.
supabase/migrations/20260127000000_initial_schema.sql
Two-factor sign-in, if you want it
You can enrol a TOTP authenticator app from account settings and remove it again yourself. Authentication is handled by Supabase Auth; Clearifi stores no password of its own.
src/app/(dashboard)/settings/security/page.tsx
What Clearifi does not claim
- It is not a bank and holds no banking, lending or money-transmission licence.
- It has not completed a SOC 2, PCI DSS or ISO 27001 audit, and is not certified by any of them.
- Deposits, balances and transactions shown in Clearifi are a read-only copy for budgeting. Your bank remains the record of truth, and nothing here is insured.
- Clearifi is not a financial adviser and gives no investment, tax or legal advice.
Full detail lives in the privacy policy and terms.
Pricing
Two plans. The free one is genuinely usable.
| What you get | Free$0— no card | Pro$9.99USD / month |
|---|---|---|
| Bank connections | 1 | 10 |
| Transactions / month | 100 | Unlimited |
| Budget categories | 5 | Unlimited |
| History kept | 3 months | All of it |
| People in the household | 1 | 5 |
| CSV and PDF statement import | Included | Included |
| Automatic categorisation and review queue | Included | Included |
| Your own categories and rules | Included | Included |
| Spending, trend and merchant reports | Included | Included |
| Excel export | Included | Included |
| Two-factor sign-in | Included | Included |
| Start free | Start free |
Everyone starts on Free. Pro is bought from inside the app, billed through Stripe, and cancelled from the same screen — you keep access until the end of the period you have paid for.