The budget app that never touches your bank login.
A private, manual-entry personal finance tracker with an AI money coach. No Plaid, no bank connection, no data selling — just clarity on where your money goes, and what you can safely spend.
No bank linking · No credit card · Export anytime
Most budget apps want your bank password. We refuse to ask.
Aggregators are a single point of failure for your entire financial life. CLVRD Budget takes them out of the equation entirely.
No bank login. Ever.
We never ask for your banking credentials and never connect through Plaid or any aggregator. There's nothing to breach.
Your data stays yours
Everything lives in your private account, gated behind a password and an optional PIN. Export the whole thing to CSV anytime.
Wiped on lock
Lock the app and your financial data is cleared from the device — nothing lingers in the browser behind the lock screen.
No selling, no ads
You're the customer, not the product. We don't sell data or run ads against your spending.
↑ Click the menu — it's the real layout
It doesn't just record your money. It coaches it.
A proactive layer that reads your numbers and tells you what they mean — in plain language, before problems land.
Money Weather
A one-line read on your finances right now — sunny to stormy — based on cash, upcoming bills, and runway.
Safe to Spend
Exactly how much you can spend per day until your next paycheck, after bills and savings are set aside.
Trends & comparison
Week-over-week and month-over-month on spending, income, and net — with the deltas that actually matter.
Goal Coach
Finds the slack in your budget and shows where it can fund your savings goals, one tap to apply.
A complete picture of your money — without the bank link.
Transactions
Fast manual entry with a cash-register amount field, duplicate detection, and instant balance updates.
Zero-based budgets
Give every dollar a job. Envelope tracking that auto-corrects as you spend.
Debt & credit cards
Statement reconciliation, estimated balances, and a payoff trajectory chart.
Savings goals
Virtual envelopes inside real accounts. The goal can't hold more than the money actually backing it.
Statement import
Drop a PDF, CSV, or Excel statement and let AI detect accounts, recurring bills, and transactions.
Subscription radar
Surfaces recurring charges so nothing quietly drains your account.
Assets & net worth
Track crypto, stocks, real estate, and vehicles with auto-fetched prices for a full net-worth picture.
Reminders
Daily, weekly, and bill reminders so due dates never sneak up on you.
Frequently asked
Is CLVRD Budget free?
Yes — you can start tracking for free, with no bank connection and no credit card required. Just create an account and add your first transaction.
Does CLVRD Budget connect to my bank?
No, and that's the point. CLVRD Budget never asks for your banking login and never links through Plaid or any aggregator. You add transactions manually or import a statement, so your bank credentials are never exposed.
How is it different from Mint or YNAB?
Most budgeting apps require linking your bank through an aggregator. CLVRD Budget is built for people who'd rather not — it's a private, manual-entry tracker with an AI money coach (Money Weather, Safe-to-Spend, Trends, and a Goal Coach) layered on top.
Is my financial data private and secure?
Your data is gated behind a password and an optional PIN, and it's cleared from the device when you lock the app, so nothing lingers in the browser. We don't sell data or run ads, and you can export everything to CSV at any time.
Can I import bank statements?
Yes. You can drop a PDF, CSV, Excel, OFX, or QFX statement and the app uses AI to detect accounts, recurring bills, and individual transactions for you to import — no live bank connection needed.
What devices does it work on?
CLVRD Budget runs in any modern browser and installs as an app on iPhone and Android (it's a progressive web app), so your dashboard works the same on phone, tablet, and desktop.
See your whole financial picture.
Private by design. Free to start. No bank login required.
Open CLVRD Budget →