Pricing · Honest by design
Pay for what costs money.
Nothing else.
ClariFi Free
$0 forever
The full on-device app. Not a demo.
- Flex & classic budgeting — three honest buckets, rollover, guilt-free reallocation
- Transaction rules engine — teach it once, every import obeys
- Apple Pay auto-capture — automation without connecting a bank
- CSV import & export — your numbers are never held hostage
- Manual wealth tracking — accounts, holdings, net worth, 5 countries
- The full Retirement Lab — 5,000-trial Monte Carlo, FIRE math, pensions
- Goals, widgets, Siri, reminders
- Local by default — your data lives on your device
$59.99/year
That's about $5 a month — or $7.99 month-to-month.
Everything in Free, plus
- Automatic bank & credit-card sync — balances and transactions arrive themselves, via Plaid
- Brokerage & investment sync — holdings and prices, automatically
- Cloud backup & multi-device sync — encrypted in transit, restore anywhere
- Share with your partner — one combined picture, and one subscription covers you both
Launch pricing. ClariFi is in TestFlight early access today; subscriptions arrive with the public App Store release. During early access, purchases run in Apple's test sandbox — you won't actually be charged.
Why is bank sync the paid part?
Because it's the part that costs real money: every connected account costs ClariFi a monthly fee from our bank-data partner, Plaid. With no ads and no data selling, the subscription is the entire business model — you're the customer, not the product. The math is deliberately simple: the free tier costs nothing to serve, so it's free; Premium costs money to serve, so it isn't.
The fine print, in plain English
- One subscription, whole household. Your partner joins with an invite link, pays nothing, and gets everything — including linking their own banks.
- Cancel anytime. Everything on-device keeps working, your data stays yours and exportable, and a short grace period means a payment hiccup never locks you out. Re-subscribe and you pick up where you left off — your backup can always be restored.
- Standard App Store billing. The trial and subscription are managed by Apple — start, cancel, or switch plans from Settings or your Apple account, like any other subscription.
Questions people actually ask
Is the free tier actually useful, or a teaser?
It's the whole on-device app — the same budgeting engine, the same rules, the same 5,000-trial retirement math. If you're happy typing or using Apple Pay capture instead of bank sync, you can use ClariFi free forever. That's a promise on the roadmap, not marketing.
Do my partner and I both need to subscribe?
No. One Premium subscription covers the household. Whoever subscribes sends the invite; the other person joins free with full access.
What happens to my data if I stop paying?
Nothing bad. Your data lives on your device and keeps working with the free features. Existing bank connections stop refreshing, but nothing is deleted, everything stays exportable, and your cloud backup remains restorable. Re-subscribing turns the lights back on.
Can I try it before paying?
Yes — the annual plan starts with a 7-day free trial. And right now, during TestFlight early access, subscriptions run in Apple's test sandbox, so testers aren't charged at all. Request an invite if you'd like in early.