Finally. A finance app that actually wants you debt free.
See your complete financial picture. Understand exactly what your debt is costing you every month. Get a clear, honest path to zero — with no hidden agenda.
Every other finance app profits when you take on more debt. KlearFi profits when you don't need us anymore. That's the whole idea.
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Net Cash Flow
+$250.00
5% savings rate
Income
$5,200.00
Expenses
$4,100.00
Debt Payments
$850.00
DTI Ratio
16%
HealthyDebt progress
24% paid off
On track to be debt free by March 2028
Most finance apps are not on your side.
The apps that came before us were built on a business model that requires your financial stress to thrive. Mint recommended credit cards because they earned referral fees. Credit Karma made money every time you applied for a loan. Even "budgeting" apps buried affiliate offers inside their advice. The user's financial health was never the goal. It was the bait.
We don't think the people who built those products are bad people. We think the incentive structure was broken from the start — and broken incentives produce broken products, no matter who builds them.
KlearFi exists because we wanted to build something where the only way we succeed is if you succeed. No referral fees. No affiliate deals. No commissions. Ever.
What your financial life looks like with KlearFi
Clarity
You know exactly where your money goes every month — not where you thought it went, not a projection, but where it actually went. Organized, honest, and always current. No manual categorization required.
Control
You can see your total debt, what each balance is costing you in interest every single month, and precisely what changes if you pay $50 more. The math that used to require a spreadsheet — done automatically, in plain language.
Progress
You watch your debt balance go down. You see your net cash flow trend upward. Your financial direction changes from Declining to Improving — not as a theory, but as a real number that moves every time you log in.
Up and running in under 5 minutes
Connect your transactions
Upload a CSV from your bank or connect directly. KlearFi reads your transactions and categorizes them automatically — no manual tagging, no setup overhead.
Add your debts
Enter what you owe: balances, interest rates, minimum payments. Two minutes of setup. KlearFi handles the rest — payoff projections, interest calculations, and progress tracking included.
See your full picture
Your dashboard shows income, expenses, debt load, net cash flow, and your financial direction — all in one place. The truth about your finances, organized without judgment.
Everything you need. Nothing you don't.
We are a tool, not an advisor. We show you the truth — you decide what to do with it.
Net Cash Flow
+$250.00
5% savings rate this month
Income
$5,200.00
Expenses
$4,100.00
Debt Payments
$850.00
DTI Ratio
16%
Healthy24% paid off
Chase Sapphire
$8,400.00
22.99% APRCar Loan
$10,000.00
6.0% APRSpending by category
Food & Dining 35% · Groceries 25% · Transport 20% · Other 20%
Your Chase card at 22.99 APR is costing you $154/month in interest alone. Paying $200/month eliminates it 14 sooner and saves you $1,840.
This is what honest financial advice looks like.
Debt Payoff Simulator
Move the slider. Watch your payoff date shift. Know exactly what an extra $50/month saves in real dollars and real months. Then you decide.
Financial Direction
Not just a balance — a trend. Are you getting healthier or less healthy? One honest indicator based on your 3-month trajectory.
Simple, honest pricing. No tricks.
Pro is $6/month. That is not the maximum we could charge — it is what we believe is fair. We want subscribing to KlearFi to feel like one of the more obviously good financial decisions you make.
| Feature | Free | Pro |
|---|---|---|
| Price | $0 forever | $6/month or $58/year |
| Bank accounts | 1 | Up to 20 |
| Transactions stored | 500 | 50,000 |
| CSV import | ||
| Spending dashboard | ||
| Debt tracking | ||
| Payoff simulator | ||
| Financial health summary | ||
| AI financial insights | ||
| Plaid bank sync | ||
| Start Free | Upgrade to Pro |
Honest about our limitations
- CSV uploads are capped at 500 rows per file. Large transaction histories need monthly batch uploads.
- AI insights run on demand — you click refresh, we ask Claude, results appear. Not automatic yet.
- Bank CSV formats vary. If yours isn't supported, a generic fallback handles any standard export.
We built this because we needed it.
What we will never do
These are not guidelines. They are not subject to revision based on revenue pressure or investor requests. They are the lines that define who KlearFi is.
We will never recommend a loan, credit card, or financial product.
Not now, not in a future update, not ever. The moment KlearFi earns money by recommending debt products, the product is no longer on your side. That is the line we will not cross.
We will never sell your financial data.
Your transactions, your debt balances, your income, your spending patterns — among the most sensitive data you own. We store it to serve you. We do not monetize it, anonymize it for sale, or share it with third parties for any commercial purpose.
You can cancel and export your data at any time.
Your data belongs to you. If you leave, you take it with you. No hostage situations. No cancellation flows designed to confuse. One click.
If you're not satisfied in the first 30 days, we'll refund your Pro subscription.
No questions. No forms. One email. We charge a fair price for real value — and if it isn't working for you, you shouldn't pay for it.
Your finances. Honestly.
Start free. No credit card required. See your complete financial picture in under 5 minutes.
Get Started FreeWhat success looks like to us
"Success is a user who cancels their subscription because they no longer need it — because they did the work, followed the plan, and got to zero. That is the whole point."
— KlearFi Philosophy, February 2026
Early users who upgrade to Pro in the first 90 days lock in a founding member rate of $4/month — held for as long as you remain a subscriber.