Hi, there

What is the 🔥 streak in the header?

It counts how many days in a row you've opened the app — a gentle nudge to check in daily and stay on top of your money. Open it today and tomorrow and the count climbs; miss a day and it resets to 1. Hit 5, 10, or 30 days in a row and you earn a little badge (🔥 🏅 🏆) with a quick well-done message. It's just for motivation — nothing about your finances depends on it.

What does the Goal coach card on the Plan tab actually do?

It takes your savings goals (emergency fund, wedding, vacation, anything you've added with a target amount) and figures out how much each one needs per month to hit its target on time. Then it scans your Essentials and Lifestyle budget envelopes for ones you've been under-spending over the last 3 months — that "slack" is where the money can come from with the least pain. It suggests trimming each candidate envelope by half its average slack so there's still room for variation, and tallies the total freed against your monthly need.

Each suggestion has an Apply button that updates that envelope's target right then and there. The "Apply all" button at the bottom does every suggestion at once. The Undo chip stays around for 60 seconds in case you change your mind — one tap restores the prior amounts, even when you applied multiple trims together.

What is the weather pill at the top of Today?

A single-line read on your finances right now — sunny when there's free cash and runway, cloudy when reserves take a big bite of your cash or envelopes are over, storm when cash is negative or a bill due in the next 3 days is bigger than what you have. Tap it to see the underlying numbers: net cash, reserves, next paycheck, envelope overspend, free cash, and an estimated runway based on your last 30 days of Essentials + Lifestyle burn.

It only appears once you have at least one account or card and 3+ transactions logged — before that there's not enough signal.

What does "What changed this week" show?

A quick comparison of the last 7 days against the 7 days before. Top line is total spend with the week-over-week delta (up = red, down = green). Underneath are up to 3 category groups whose spend moved by at least $10 AND at least 25% in either direction. Quiet weeks just show the headline; flat weeks hide the card entirely.

What is "Free to spend" on the phone dashboard?

How much you can spend before your next paycheck without touching money that already has a job. It starts from your spendable cash, subtracts everything you've already saved (emergency fund and goals), then subtracts this pay period's bills, card minimums, subscriptions and scheduled payments, plus any savings you've budgeted but not yet set aside.

Money you've saved is never counted as spendable. The bar splits the pool into Bills, Savings, and Free, and the per-day figure is shown only as a guide. If no paycheck is detected, the window falls back to the rest of the month.

What is the "Upcoming money" card?

The next 14 days of money movement in one list: bills, recurring/one-time charges, and credit card minimums going out (date badge, red amount), plus projected paychecks coming in (green amount), soonest first. Tap "View all" to open Plan. It hides itself when nothing is due in the window.

How do the time ranges on the Trends card work?

The Trends card on Today lets you pick a window — This week, This month, Last 30 days, Last 60 days, or a Custom date range. It shows your Spending, Income, and Net for that window. Changing the range also re-scopes the "Where it went" breakdown and, on desktop, the Spending mix and cashflow charts. The range is per-session — it always opens on the current month.

What does "Compare to previous" do?

It turns on a week-over-week / month-over-month comparison. Each figure gets a delta against the matching previous period — last week vs this week, last month vs this month, the prior 30/60 days, or the equal-length window just before a custom range. Green means the change is in your favour (spending down, income or net up); red means it isn't.

Why doesn't "Budget vs actual" change with the range?

Budgets are a monthly concept — they reset on the 1st — so that chart always reflects the current calendar month and is labelled "this month". The range control drives the spending and cashflow views, which are period-based.

Why does the Transactions tab only show one month?

The ledger is scoped to a single month so you're not scrolling through your whole history. Use the month selector at the top of the tab to switch months; pick "All time" to see everything at once. It defaults to the current month, and the filter pills, search, count, and CSV export all follow the month you've selected.

Can I log a recurring bill or paycheck without re-typing it?

Yes — that's the "Log it" button. On the Plan tab (next to each bill) and on the phone's "Upcoming money" card (tap an item), the app pre-fills the Add Transaction sheet from the detected item: amount, category, and date are already filled, so you just review and tap Save. For a bill, logging it with its category lets the app recognize it as paid, so it drops off your upcoming list automatically. You still confirm every entry, so nothing is logged without you seeing it.

How is my account balance calculated?

Your balance starts from the snapshot you entered and adds or subtracts everything you have logged against that account since.

Two things decide what "since" means. What matters is the order, not just the date: anything you had already logged when you typed the balance is treated as part of it, and anything you log afterwards is applied on top — so a transfer you make an hour after updating a balance still moves it. And nothing dated in the future is spent yet: rent you have logged for next week sits on the Money timeline, not in today's balance.

My balance doesn't match my bank. What do I do?

Open the account in Balances. The line under the name shows the whole sum — the snapshot it started from, the date, and the money in and out since — so you can see which part is off. If the app's number is right and the snapshot is just old, tap Use calculated balance to make today's figure the new starting point. If your bank is right, type the bank's number over it and leave the date as today. Either way, only what you log after today changes it from then on.

How is my credit card balance estimated?

The balance you enter in Accounts is the starting point, and every purchase and payment you log from the start of that month onward is added or subtracted. So a charge you log right after entering your balance shows up in the estimate immediately.

How much available credit do I have?

Available credit is your card's credit limit minus its estimated balance. Set a credit limit when you add or edit the card in Accounts and it shows up across the app and in Chat.

What is my credit utilization?

The "Credit used" module at the top of the Credit cards section shows your total estimated card balances as a percentage of your total credit limit (across cards that have a limit set). Keeping it low is generally better for your credit score.

Where do I edit credit cards?

Everything lives in the Accounts tab now. Tap a card row to edit the card (name, rate, limit, statement closing day); use the monthly "Card balances" grid or the Reconcile button to set the balance, due date, and minimum. Cash, cards, and debts each have their own section there.

What is the "projected next minimum"?

A rough estimate of your next statement's minimum payment, shown under each card — about 1% of the estimated balance plus a month's interest (from the card's rate), with a small floor. It's only a planning guide before the statement arrives; once you enter the real minimum from your statement, that always wins.

Why does the card reconciliation say I have untracked spending?

Reconciliation compares your statement balance against your prior snapshot plus the purchases and payments you've logged in that statement period. A big gap usually means charges on the statement aren't logged yet — the "📥 Import" button is the fastest way to add them. For the period to line up correctly, set the card's statement closing day (Edit card); without it the app has to guess the period from the due date, which can make the check approximate. When it looks right, tap Reconcile to accept the statement.

How is a debt balance calculated?

The app starts from the snapshot you entered and subtracts any payments (transfers to that debt) you've logged since.

How does budget tracking work?

Each budget category has a monthly spending limit. Spent is the total of all expense transactions in that category for the current calendar month. Budgets reset on the 1st of each month.

What is Ready to Assign?

Each dollar of income lands in a Ready-to-Assign pool until you put it into a category. The goal is to get this number to $0 — meaning every dollar has a job. The card on your dashboard shows it for the current month, with any envelope overspend already deducted so the number is what's truly free to assign.

What does "On pace for $X by month-end" mean on a budget?

A simple daily-rate projection: (spent so far ÷ day of month) × days in month. Only shown for Essentials, Lifestyle, and debt-payment envelopes (Bills aren't gradual). Appears after the 5th of the month, when the projected month-end differs from the target by more than 10%. Color-coded: green = trending under, yellow = close to limit, red = projected to overshoot.

How do fixed charges and budget envelopes link?

If both have the same category (e.g. a "Telus" charge with category=Phone and a "Phone" envelope with category=Phone), they're automatically linked. The Plan tab flags a drift when the bill amount differs meaningfully from the envelope target, the app counts the charge as paid this month when any expense in that category lands, and you can keep both in sync without manual wiring. Bills without a category still work — they just won't auto-link.

How does "Expected income" know when my next paycheck is?

It scans your own logged income transactions for a recurring pattern — same category, gaps that fall into a known cadence (weekly, biweekly, semi-monthly, monthly, quarterly, annual). When two or more of the same kind of income show up at a steady cadence, the next arrival is projected as last date + cadence days. The projected amount is the median of your last three incomes in that stream (so a one-off bonus doesn't bias the forecast). No bank connection — entirely derived from what you've entered.

What does the "Net cash" tile on the dashboard mean?

Net cash = sum of your chequing/savings balances − sum of your credit-card balances. It's the spendable cash you actually have right now (statement basis: latest card snapshot plus purchases and minus payments since). The accounts half of it is the same figure the Money timeline calls cash on hand. It moves the moment anything under it moves — logging a transaction and editing an account balance by hand both update it straight away — and it counts only money that has already come and gone, never a payment dated in the future.

Why does my budget show a rollover?

Unspent money in a category carries forward to the next month (so saving up for an annual expense works naturally). If you overspend a category, the envelope carries a negative balance until you assign money to cover it — that covering assignment is the one and only hit to Ready to Assign, so one overspend is never counted against you twice.

Do transfers affect my budget?

No. Transfers (paying a credit card, moving money between accounts) are excluded from all budget and income/expense totals. Only transactions logged as Income or Expense count.

What is the spending pace on the Today tab?

The weekly total and daily pace are calculated from expense transactions dated in the current week (Monday–Sunday), compared to your total monthly budgets.

How is net worth calculated?

Net worth adds up everything you own and subtracts everything you owe.

"Cash & accounts" here is the same figure as Total cash in Balances and the cash half of Net cash on the dashboard — one calculation, so the three can't disagree.

How is an asset value determined?

If you set a manual value, that is used as-is. Otherwise, value = price per unit × quantity, where the price is fetched automatically for crypto (CoinGecko) and stocks/ETFs (Yahoo Finance). Real estate, vehicles, and other asset types are always manual.

How does the debt trajectory chart work?

The chart plots the total of all your credit card statement snapshots over time, one point per month. It only updates when you record a new card balance in the Accounts tab after receiving your statement.

How is savings goal progress tracked?

A goal is a virtual envelope inside your real accounts. Progress starts from your "saved so far" snapshot plus contributions you tag to the goal — but it's capped at the money actually still there: in each account you funded the goal from, the goal can hold at most that account's current balance. So if you later spend that money (even without tagging it), the goal goes down automatically and stays honest. If a spend would dip into a goal's envelope, the app warns you first.

How does the emergency fund work?

The emergency fund is a savings goal. It tracks progress from a starting snapshot plus contributions you log. Set a target amount and a goal date to see how much you need to save per month.

Do fixed charges get automatically logged as transactions?

No. Fixed charges (added on the Plan tab) are reminders and planning tools — they show up as upcoming obligations. You still log the payment yourself, but it's one tap: use "Log it" (or tap the item in the Upcoming list) to open a pre-filled Add Transaction sheet, or pick the bill from the "Which bill?" dropdown when adding an expense. Linking a payment to its bill marks that bill paid this month — even if the amount differs from the plan — so it drops off your upcoming list.

Can I import transactions from a screenshot?

Yes. On the Ledger, tap "📥 Import" and add either a photo/screenshot of your bank or credit-card app's transaction list, or a statement file you downloaded (PDF, CSV, Excel, OFX, QFX or TXT). The AI reads every row — income, expenses, and transfers — and puts them in a review table with the amount, date, merchant, and a suggested category. You must pick which account or card the rows belong to before anything can be added; edit or deselect any rows, and rows that look like something you've already logged are flagged as possible duplicates. Nothing is saved until you tap "Add". For a credit card, incoming rows are treated as payments toward the card. Picked the wrong card? "↔ Move to card" on the Ledger finds that import and re-points the whole batch in one go.

How do I log a credit card payment?

As a Transfer, not an expense — paying a card moves money from your chequing account to the card balance, so it isn't spending. In Add Transaction pick type = Transfer, choose the chequing account as the source and the card as the destination. (There's no "credit card payment" expense category anymore; any older ones you logged still work.) Logging it this way draws down your account, lowers the card's estimated balance, and clears the card's minimum from your upcoming list.

Can a balance or payment be $0?

Yes. An account or card balance can be exactly $0 (a paid-off card, an emptied account), and a transaction amount can be $0 too. Only a negative amount is rejected.

How does Subscription Radar find my subscriptions?

The Subscriptions tab scans the transactions you've entered for recurring patterns — same merchant, similar amount, charged about every month or every year. It only looks at fixed/bill-type categories (Subscriptions, phone, internet, rent, insurance, car payment) — not Lifestyle or Essentials spending like dining, rideshare, or groceries, which can recur without being a subscription. It runs entirely on your device from your own entries; there's no bank connection. Monthly charges show up after about three occurrences (just two if you've categorized them as Subscriptions); annual ones need a little over a year of history.

What do Confirm and Dismiss do?

Detected subscriptions now appear right in your subscriptions list (tagged "detected"), count toward your monthly and yearly totals, and show up in the Upcoming money card — their next charge is projected from the last one. Confirm promotes one into your fixed charges so it's tracked durably and shows in Plan; Dismiss hides it so it won't be suggested again. Detection stays read-only — confirming is optional, and nothing is logged as a transaction automatically.

What are the price-hike and "haven't logged" alerts?

Price-hike flags a subscription whose amount went up across its history (e.g. a streaming service that raised its price). The "haven't logged" alert catches a recurring charge you've stopped entering — either you cancelled it, or you forgot to record the latest payment. Both are reminders, not changes to your data.

What does "Clean up names" do?

It's an optional button that uses AI to tidy messy merchant labels (like "AMZN*8842" into "Amazon") for display only. Detection works fully without it, and your underlying transaction notes are never changed.

What is "Possible matches"?

When the same subscription was logged a few different ways, the radar spots the look-alikes and offers to merge them under one name. It catches typos/variants ("Netflix", "Netflx", "netflix.com") and also the same brand charged the same amount under different labels (e.g. "Apple iCloud" and "Apple Subscriptions", both $44.79) — which is common when you describe a charge differently month to month. It proposes the AI-cleaned name if you've run "Clean up names", otherwise your most-common spelling. You approve or keep-separate each one. Merging is non-destructive — it just groups those labels so their combined charges count as one subscription (which can also push them over the detection threshold); it never edits your transactions.

What does the Calendar tab show?

A month view of everything dated: your logged income and expenses (solid), plus upcoming bills, card minimums, subscriptions, scheduled payments and projected paychecks (shown with a dashed outline before they happen). Use ‹ › to change months, the chips to filter, and tap any day to see its events. Tap "Log" on a scheduled item to record the real payment — it then replaces the projection.

How do I import transactions from a bank statement?

Go to the Transactions tab and tap "Show" next to "Import from statement." Upload one or more files (PDF, CSV, Excel, OFX, or QFX). The AI analyzes them and shows detected accounts, recurring payments, one-time charges, and budget suggestions. Use the + Add buttons or "Add all" to import each group. Three months of statements gives the most accurate patterns.

What does the AI detect from a statement?

Detected accounts (chequing, savings, credit cards), one-time transactions, recurring bills and monthly fees, and suggested budget limits based on your actual spending. None of it is imported automatically — you review and confirm each item.

Will the app warn me about duplicate statements or transactions?

Yes. If you upload a statement file that was already analyzed, you'll see a prompt asking you to confirm before re-analyzing. When you manually add a transaction, the app checks for an existing transaction with the same amount within one day and asks you to confirm if it finds a match.

Is there a limit on AI chat messages?

Yes — the free plan includes 10 chat messages per day per account, resetting 24 hours after your first message that day. Refer a friend who joins and that doubles to 20. There is also a short-term burst cap to prevent runaway sending. When you have 25% or fewer messages left, a small counter appears under the chat box so you are not surprised. Other AI features (statement analysis, auto-categorization) have their own daily limits.

How do AI budget recommendations work?

Tap the "Adjust" button in the Budget tab. The AI looks at your last 3 months of actual spending per category and suggests reducing or increasing each budget limit where the pattern is clear and consistent. Suggestions are rounded to the nearest $5. You can accept individual suggestions or accept all at once.

What can the chat AI see?

The chat assistant sees your transactions (last 120), accounts, credit cards and debts, budgets with this month's spending, the last 3 months of spending history by category, savings goals, fixed charges, tasks, plan items, and any statement insights from your most recent upload. It cannot see your password or PIN.

Can I chat with the assistant in another language?

Yes. Use the language dropdown at the top of the Chat tab to pick English, Español, فارسی, Deutsch, or हिन्दी. The assistant replies in that language for every message until you change it, and the starter question chips are shown in the same language. Those starter questions also adapt to your data — they change as you add debts, goals, budgets, or assets. Amounts stay in digits with the $ symbol so figures remain clear.

Does the app connect to my bank automatically?

No. This is a manual entry app — there is no bank sync, no automatic refresh, and no connect-to-bank feature. Every balance and transaction is entered by you. This keeps your banking credentials completely private.

How do I update a balance after activity?

Log each transaction (income, expense, or transfer) and the app recalculates every affected balance instantly — the account, Total cash, Net cash on the dashboard and net worth all move together. You don't have to re-enter a balance to keep them in step; do that only when you want a fresh starting point, and it is safe to do as often as you like. For credit cards, record the new balance (or reconcile the statement) in Accounts after you receive your monthly statement.

Are the summary cards on Today clickable?

Yes. Tap any summary card to jump straight to where it lives — Lifestyle opens Budget, Debt and Net cash open Balances, Emergency fund opens Plan, and Daily pace opens Transactions.

How do I export or back up my data?

Open Account (top-right) → "Export data" and pick a format: JSON is a complete backup you can re-import to restore everything; CSV is your transactions as a plain spreadsheet; XLSX is an Excel workbook with transactions plus summary, accounts, cards, and budgets; PDF is a branded statement (a financial summary followed by your transactions). For CSV, XLSX, and PDF you can also choose a range — this month, last month, this year, or all time. The Ledger tab also has a quick "Export CSV" for whatever month you're viewing.

Can the app add reminders to Apple Calendar?

Yes — write only. The app never reads your calendar. Ask Chat things like "remind me to pay my Visa on the 15th" and tap 📅 Add to Apple Calendar to confirm. You can also tap 📅 next to any card due date in Accounts or any bill in Plan. Each event includes the title, date, optional time, and a 60-minute heads-up alarm. Nothing is saved until you confirm in Calendar.

Can it pick up my Apple Pay purchases?

Yes, with a one-time setup. iOS does not let any app read your Apple Wallet or Apple Card history — there is no API for it — so this uses the one supported hook that fires on a real purchase: a Shortcuts Transaction automation. In the Shortcuts app you make an automation that posts the amount, merchant and date to CLVRD whenever you tap to pay. Those charges never post straight into your books: they wait on the Home tab as “these are not logged yet”, already matched against what you have logged (so a purchase you typed in yourself does not show up twice) and with a category guessed from the merchant — or from what you picked for that merchant last time. You review, adjust the category, and tap Log. Set it up under Account → Notification settings → Apple Pay suggestions.

What are the morning and evening notifications?

On iPhone you can turn on a morning "money weather" nudge (a sunny / cloudy / stormy vibe for the day — never any dollar amounts, since lock screens are public) and an evening "Spent anything today?" check-in. From the evening notification you can tap "Nothing today" to keep your streak, or tap one of your top categories, type the amount, and log it straight to your default card — all without opening the app. Anything you log that way syncs the next time you open. If you have a streak of 3 days or more and a night comes where missing it would break the run, the evening check-in turns into a “don’t lose your streak” nudge with the run length in it, and tapping “Nothing today” or logging a spend from the notification keeps it alive. The wording rotates day to day so it never gets stale, and the timing adapts to when you usually open the app — the evening check-in is skipped on days you already opened it around then. Turn the nudges on and pick your default card under Account → Notification settings.

What is the Retro tab?

Retro turns each month into a keepsake. When you close a month, the app builds a recap from what you logged — net cash, where it went, goals hit, and milestone stamps — and the Retro tab lets you scroll back through your months to remember and reflect. It's private and built only from your own entries.