Track spending, monitor your credit score, simulate score changes, and plan your debt payoff — all free. No more juggling Credit Karma + YNAB + a spreadsheet.
Budget tracking + credit monitoring + score simulator + debt payoff planner — in one dashboard, for less than the cost of one competitor.
Built to work independently, but better together. One login. Complete picture.
Set spending limits by category, track every transaction, and get alerts before you overspend. Your budget adapts to how you actually spend — not some idealized version of it.
✓ Free tierMonitor your score daily and understand exactly what's affecting it. Unlike Credit Karma's 2-bureau snapshot, ClearCent shows you the full picture with actionable factor breakdowns.
✓ Free tier"What happens to my score if I pay off this card?" ClearCent answers that before you act. Simulate real scenarios and make credit moves with confidence — not guesswork.
★ Pro featureAvalanche or snowball — ClearCent maps your fastest path to zero. See exactly when each debt disappears, how much interest you'll save, and what moves the needle most.
★ Pro featureStop paying for fragmented tools that only cover half your financial life.
No credit card for the free tier. No surprise price hikes.
Everything you need to take control of your spending and start building toward your goals.
For people serious about improving their credit and eliminating debt faster.
No contracts. Cancel anytime. Pro includes a 14-day free trial.
Join thousands of people who replaced four finance apps with one. No credit card, no trial expiry — just a cleaner picture of your money.