ClearWealth

ClearWealth opens with a simple question: "Know Your Exact Debt-Free Date?" Most people don't. They'll spend years on a budgeting app tracking where their money went, but very few apps actually show when they stop owing money. ClearWealth is built around a different premise. It is designed to show you the date you become debt-free, and everything else flows from there.

The app is the work of Cavan Ventures LLC. It launched in 2026, which makes it genuinely new in a crowded space. The company's own tagline is blunt about why most budgeting apps fail: they're built to keep you budgeting forever. YNAB, Mint, Monarch, you stay because there's always something to track. ClearWealth takes the opposite stance. You use it until you're debt-free and financially independent, then you graduate out. That framing alone sets it apart.

The core tool is a live debt-free-date calculator that takes 2 minutes to set up. You enter your total debt, your interest rate, your minimum payment, and how much extra you can pay per month. Drag a slider up or down and watch your debt-free date move in real time. That's the hook. You can run "what-if" scenarios instantly, what if I get a raise, what if I pick up a side gig, what if I refinance my car, without leaving the page.

The numbers on the landing page anchor the value proposition: users have tracked $2.4B+ of debt through the app, the average rating is 4.8 stars, and the median user saves 3.2 years versus staying on minimum payments alone.

Setting It Up and Adding Your Debts

Creating an account takes 2 minutes and doesn't require a credit card, even to try the paid tier. You can add your debts manually or, on the paid tiers, connect your bank through Plaid and import them automatically. The free tier lets you add debts by hand but doesn't sync with banks. You enter each debt's balance, interest rate, and minimum monthly payment, and the app instantly calculates your debt-free date.

ClearWealth calculates both payoff strategies automatically rather than asking you to pick one upfront. The debt payoff planner shows snowball or avalanche next to each other so you can compare, but the calculation doesn't require you to know the difference beforehand. It also calculates interest saved if you pay faster than minimums, which is the real motivator on the page, seeing how many years of interest you'd pay if you did nothing, and how much you'd save by adjusting your payments.

When you hit $0 on the free calculator, it plays confetti animation. That's intentional. Most apps don't celebrate milestones; ClearWealth marks the finish line as a genuine win.

Bank Syncing and Transaction Import

The free plan doesn't sync with banks. Manual entry is the entire workflow, you add your debts by hand and enter payments as you make them.

Pro and Premium ($12 and $24 per month respectively) add Plaid connectivity to 12,000+ banks and credit unions. Once connected, transactions import automatically into the budget. Auto-categorization rules handle most of the work, so you're not manually sorting every transaction. The difference between Pro and Premium is mostly about shared access (Premium includes partner/spouse sharing) and priority support features.

Plaid's connection is a read-only feed, the app sees your transactions but never has your bank password. ClearWealth says it uses TLS 1.3 encryption in transit and hashes your password, and you can export or delete your data anytime from the app settings.

The Broader Budgeting Toolkit

The debt payoff calculator is the flagship, but the app packages several other tools. You get a zero-based budget where you give every dollar a job through envelopes. The free plan includes 5 envelopes; Pro and Premium unlock unlimited. There's a 3-step guided setup that walks you through the concept.

The FIRE calculator lets you model Lean, Regular, and Fat FIRE scenarios, different retirement spending levels so you can see which financial independence number matches your lifestyle and when you'd hit it on your current trajectory. This is an add-on to the core debt payoff job, but it's there if you want to plan what comes after.

A "What-If Modeler" lets you test scenarios: raise your income, cut a spending category, refinance a loan. The app recalculates your debt-free date instantly, so you see the exact impact before committing to a change. That real-time feedback is more useful than a budget app that shows you last month's numbers.

Weekly email reports deliver a Sunday snapshot: debt progress, spending by category, net worth snapshot, savings rate. A financial health score (A to F grade) pulls 5 factors: savings rate, debt load, net worth, budget control, subscriptions. AI spending insights surface patterns, you spent 40% more on dining than last month, here's what changed, instead of leaving you to spot trends yourself.

Pricing and What Each Tier Gives You

Free ($0, forever) includes the debt payoff planner, a basic budget with 5 envelopes, manual transaction entry, 2 savings goals, and the FIRE calculator. You can lock in your rate forever if you subscribe to paid at any point, early adopters get a permanent discount.

Pro ($12 per month, or annual discount available) adds bank sync via Plaid, unlimited envelopes and goals, the AI Financial Advisor, what-if scenario modeling, a cash flow calendar, auto-categorization rules, weekly email reports, financial health scoring, and achievement badges and challenges. The AI advisor lets you ask questions and get advice specific to your actual numbers rather than generic tips.

Premium ($24 per month, or annual discount available) layers on partner or spouse sharing (so two people can see the same budget), priority AI responses, advanced FIRE modeling, custom report templates, priority support, and early access to new features.

The site emphasizes no contracts and the ability to cancel Pro anytime. The annual pricing options offer discounts that the site markets as up to $89 in annual savings for annual subscribers.

What It Doesn't Do

ClearWealth is not a bank. It doesn't issue credit, broker loans, or sell credit products. It does not provide financial advice, the app describes itself as "tools for informational purposes only." You're meant to consult a qualified financial advisor before major decisions.

The app does not connect to investment accounts, retirement accounts, or anything beyond bank accounts and debts. It focuses on the debt-to-income part of personal finance, not wealth building or investment tracking.

The site makes clear that by using the app, you agree you're 18 or older and that paid subscriptions auto-renew until cancelled with no refunds for partial periods. It's governed by Florida law.

Who It Suits and Who It Doesn't

ClearWealth is for someone who wants to see their debt-free date and get highly motivated by watching it move. If you find spreadsheets boring but a visual finish line keeps you moving, this is the fit. The 2-minute setup means low friction to see if it clicks before committing to paid. The free tier is legitimately usable for years if you're comfortable with manual entry.

The free plan's lack of bank sync is a real limitation if you have many debts or you want the budget to stay current without manual entries. But the $12-a-month Pro tier adds that for the cost of one streaming service.

It's not the choice if you want to track investments, retirement savings, or anything beyond debt and budgets. It's not a debt negotiation tool, it's not a credit-building app, and it's not a replacement for a financial advisor if you have complex tax or investment questions.

The zero-based envelope approach works for some people and frustrates others. If you find the idea of "give every dollar a job" motivating, you'll probably enjoy this app. If you prefer to budget after the fact (tracking what you spent) rather than before (assigning each dollar in advance), this method won't fit.

The finish-line framing is the whole concept. You use it until you're debt-free, then you leave. That's the design. If you want to stay in a budgeting app forever, ClearWealth is deliberately not for you.