For iPhone · Early access
Your money,finally in focus.
Budget today, plan for retirement, and grow your net worth — all in one private iOS app.
Budget. Plan. Grow.
- Encrypted
- No ads
- Never sold
Clarity looks like this.
ClariFi by the numbers
No fake reviews here — just what’s inside.
- trials in every retirement forecast
- 5,000
- the year our market data starts
- 1928
- account types, tax-tagged
- 47
- countries with native tax rules
- 5
- ads. Also zero data ever sold.
- 0
One app, five jobs
Everything your money does, in one place.
Tap through — real features, demo data.
A budget that bends without breaking.
Classic category budgets, or ClariFi’s Flex mode — three simple buckets instead of forty envelopes. Overspend on takeout? Reallocate mid-month without guilt.
- Flex mode: Fixed, Flexible, and Non-Monthly buckets
- Monthly rollover and mid-month reallocation
- An 8-step wizard builds your first budget in minutes
Every dollar, accounted for — on autopilot.
Connect your bank through Plaid and transactions flow in, sorted into 84 categories. Tap to pay with Apple Pay and it’s already waiting for your review.
- Bank + brokerage sync, refreshed every 4 hours
- Apple Pay purchases captured automatically, review-first
- Rules engine: IF this, THEN that — even applied to the past
Watch your net worth, not just your spending.
Holdings, allocation, milestones from your first $1K to $10M — plus a financial health score that grades you A to F and tells you what to fix first.
- Net worth with daily snapshots and milestone tracking
- Financial health score, graded A–F
- Allocation by asset class and tax bucket, top holdings
Retirement math you can actually see.
ClariFi runs your plan through 5,000 simulated market histories and gives you a straight verdict. Lean FIRE, Standard, or Fat — pick a target and see the date.
- 5,000-trial Monte Carlo built on market data back to 1928
- FIRE targets: Lean, Standard, Fat — plus a sandbox simulator
- Solves the exact monthly contribution that gets you there
Flex Budget
Budgets fail because life doesn’t fit in envelopes.
Flex mode gives you three buckets instead of forty categories: Fixed costs, one shared Flexible pool for everyday life, and Non-Monthly for the expenses that ambush you. Leftovers roll into next month. Groceries ran hot? Slide money over mid-month — that’s not cheating, that’s the feature.
Every category gets its own cap — and its own bar.
Open the Flex Budget calculator →
- Leftover (or overspend) rolls into next month — the math follows you
- Reallocation moves money between buckets without editing the base budget
- Prefer envelopes? Classic Category mode is one toggle away
Spending calendar
Your month, as a heatmap.
Every day, colored by how much left your account. Heavy days glow; quiet days stay cool. You’ll spot the pattern in about four seconds — that’s the point.
Backed by Insights charts when you want the full story behind any day — across 84 categories.
Most budgeting apps stop at your checking account.
ClariFi is just getting started.
Everything below this line is why.
The Retirement Lab
5,000 futures. One honest answer.
ClariFi replays your plan against nearly a century of real market history — booms, crashes, and the boring years in between — and tells you plainly: on track, or not. If not, it solves for the exact monthly contribution that fixes it.
- $100K
- $250K
- $500K
- $1M
- $2.5M
5,000 simulated market histories · data back to 1928
About a 98% chance your money lasts your whole retirement — you’re in great shape.
$17,455 of $1,250,000 goal · your plan grows the rest
🔥 Fire Simulator
Explore any future
Retire earlier, save more, aim higher — the simulator answers with a curve, a verdict, and a date.
Simple compound estimate — 6%/yr real, contributions stop at retirement, no withdrawals modeled, starting from today's $17,455. In the app, your plan runs the full 5,000-trial Monte Carlo with richer assumptions.
When it’s time to spend, ClariFi shows the order.
A tax-smart withdrawal plan, drawn as a flow — which accounts to draw first, and what each year looks like. Government pensions for the US, Canada, UK, and Australia are built in (India’s NPS annuity is entered manually), along with RMD, RRIF, and Super drawdown rules.
The Wealth Lab
The tools your advisor charges 1% for.
A financial health score that grades your whole picture A to F. A fee analyzer that computes your weighted expense ratio and shows what those “small” fees cost over 30 years. A tax-loss harvesting scanner with wash-sale detection. This is the deep end — and it’s built in.
- Financial health score, A–F
- Fee analyzer: weighted MER + 30-year drag
- Tax-loss harvest scanner with wash-sale detection
- Asset-location optimizer, dividend tracker, rebalancing planner
- Contribution limits for 17 account types, with deadlines
Fee analyzer
BMUTF-A’s 1.86% fee over 30 years vs a 0.20% fund
$38,100
Assumes 7%/yr growth, no new contributions.
$215,891 to go · ~16 yr at your recent saving pace — before your plan kicks in
- ✓$250KJun 2026
- ◉$500K · next~16 yr
- $1M~38 yr
- $2.5M~67 yr
And then some
The little things that turn out to be big things.
A dozen more reasons this replaced the spreadsheet.
Semi-monthly bills
Paid on the 15th and the last day? ClariFi handles the schedule most apps forget exists.
Split transactions
One Costco run, three categories. As it should be.
Goals that talk back
Every goal forecasts whether you’re on track — and takes a quick contribution when you’re feeling flush.
Debt payoff, your way
Avalanche for the math people. Snowball for the momentum people.
Widgets
Your budget on your home screen and lock screen — glanceable, not naggy.
Siri & Shortcuts
Log spending or check your budget without opening the app.
Your data, portable
CSV in, CSV out, plus full Wealth export as JSON. No hostages.
Five countries, native rules
US, Canada, UK, Australia, India — with multi-currency and your choice of display currency.
Gentle nudges
Daily or weekly summaries, and a heads-up the day before bills. Off anytime.
Rules that tidy the past
IF this, THEN that — preview first, then apply to your whole history.
Apple Pay, captured
Tap to pay and it’s already in your review queue — deduped, never double-counted.
Two people, one picture
One single-use invite link (15-minute expiry) makes you both full editors. No “view-only spouse.”
The full spec sheet, for the spreadsheet people
| Platform | iPhone · iOS 17+ · currently in TestFlight early access |
|---|---|
| Tabs | Overview · Activity · Budget · Wealth · Settings |
| Bank sync | Plaid banks + brokerages · 4-hour refresh + background updates · institution health status · soft-disconnect recovery |
| Categories | 84 defaults in 11 groups · custom categories, groups, and emoji |
| Budget modes | Category caps, or Flex with Fixed / Flexible / Non-Monthly buckets · monthly rollover · mid-month reallocation |
| Recurring | Daily · weekly · monthly · semi-monthly (15th & last day) |
| Accounts | 47 account types across 5 countries, each tagged Tax-Free / Tax-Deferred / Taxable |
| Contribution limits | 17 limits with per-country deadlines |
| Retirement | 5,000-trial Monte Carlo · market data 1928–2024 · FIRE presets Lean / Standard / Fat · contribution solver · sandbox simulator |
| Drawdown | Tax-smart withdrawal order · government pensions US / CA / UK / AU (manual NPS entry for IN) · RMD, RRIF & Super rules |
| Wealth analytics | Health score A–F · weighted MER + 30-year fee drag · tax-loss harvesting with wash-sale detection · asset location · dividends · rebalancing · milestones $1K→$10M · emergency fund · savings rate |
| Household | Partner invite: single-use link, 15-minute expiry · both partners full editors |
| Sync & privacy | Local by default · cloud sync opt-in with Apple / Google sign-in · encrypted in transit and at rest · no ads · data never sold |
| Extras | Home & lock-screen widgets · 4 Siri / Shortcuts actions · CSV import & export · Wealth JSON export · daily / weekly summaries · day-before bill reminders |
Privacy
Your money, your business.
Your data is encrypted in transit and at rest, and it is never sold — to anyone, for anything. Use ClariFi without an account and your data is stored locally — nothing syncs to the cloud. Sign in only if you want your devices in sync.
Local by default
No account required. Sync is a choice you make, not a default we made for you.
Encrypted, always
In transit and at rest. Bank connections run through Plaid — you sign in on Plaid’s own screens, not ours.
No ads, no buyers
You’re not the product. There’s nothing here to sell, and nobody to sell it to.
- Encrypted
- No ads
- Never sold
From now on, it’s crystal clear.
ClariFi is in early access on TestFlight. Leave your email and we’ll send an invite when a spot opens up.
Almost there — your mail app just opened with the request. Hit send and you’re on the list.
iPhone only for now, iOS 17+. No spam — invite emails and nothing else.
