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🇬🇧 Made in Britain

Stop overspending.
See your real spendable money instantly.

Your bank balance is not your safe-to-spend balance. Clariqo subtracts your bills, subscriptions, recurring costs, and tracked card spending so you can see what you can actually afford to use right now.

Download Free See how it works →
Clariqo — Overview
Clariqo
Current Period
March → April 2026
At a glance
Personal Left£606.48
Joint Left£255.62
Total Savings£9,572
Next Bill11d
Navigation
📊 Overview
🤝 Joint Budget
👤 Personal
🏦 Savings
📈 Investments
⚙️ Settings
Personal Available
£606.48
Joint Remaining
£255.62
Total Savings
£9,572.87
Total Invested
£1,000.00
🇬🇧 Made in Britain — local-first budgeting software
🔒
100% Local Data No cloud. No server. Your budget stays on your PC.
🚫
No Bank Sync Required No broken connections. No third-party access to your account.
💸
Real Spendable Balance See what you can safely use after upcoming obligations.
⚡
Fast to Start Built to give clarity quickly, not drown you in setup.
♾️
No Subscription Start free and upgrade once if you want more.
💵
Multiple Currencies GBP, USD, EUR and MORE!
How it works

Your bank shows the number.
Clariqo shows the truth behind it.

Seeing money in your account feels reassuring until the direct debits hit, the subscriptions roll in, and the card spending catches up. Clariqo gives you a clearer answer by separating what looks available from what is actually safe to spend.

1

Add your recurring costs

Enter your monthly bills, subscriptions, and other core expenses once so Clariqo can account for them before they catch you out.

2

Track what you use cards for

Log variable spending and choose which card paid for it, so hidden liabilities stay visible instead of sneaking up later.

3

See your safe-to-spend amount

Clariqo subtracts what is already spoken for and leaves you with the number that matters most: what you can genuinely afford to spend now.

Example · Why safe-to-spend matters Real clarity
🏦 Bank Balance
£1,000
🏠 Rent & Bills
- £490
📺 Subscriptions
- £80
💳 Card Spending
- £118
✅ Safe to Spend
£312
Clariqo

Built to stop the
“I thought I had more” problem.

Clariqo is for people who keep seeing a healthy bank balance, spending from it, and then getting hit by the reality of bills, subscriptions, or card balances later. It gives you clearer control without forcing you into cloud sync, spreadsheets, or bloated finance software.

💸

Real Spendable Balance

The headline figure is the one that matters: what is actually left after your recurring costs and tracked liabilities are taken into account.

🔁

Recurring Expenses Built In

Bills and subscriptions are not an afterthought. Clariqo keeps them in the picture so your balance stops lying to you.

💳

Card-Aware Spending

Log variable purchases and assign them to the right card, helping you stay aware of money already spent but not yet gone from your current account.

👫

Joint & Personal Clarity

Separate shared money from personal money so both sides stay understandable instead of becoming one blurred total.

🏦

Savings Pots & Goals

Track named savings goals without losing sight of your day-to-day spending position. Save with purpose, not guesswork.

🔒

Private by Design

Everything stays local on your machine. No cloud account, no bank access, and no dependence on a third-party service staying online.

Clariqo · Example overview Personal budget
📆 Recurring Bills
£680
💳 Credit Card 1
£164
💳 Credit Card 2
£92
🏦 Savings Goal
£470
✅ Safe to Spend
£389
Pricing

Simple. One-time. No tricks.

Start free. Upgrade once for the full experience. No monthly fee, no cloud lock-in, and no subscription pressure.

Free
£0
Get the core clarity for free
  • Real spendable balance
  • Recurring expense tracking
  • Manual expense logging
  • Savings pots
  • Joint Budget Tracking
  • Mortgage Tracking
  • PDF export
  • Bill reminders
  • Full card tracking
  • Up to 2 profiles
Download Free
Best Value

Premium

SPECIAL OFFER!

£34.99

£19.99

Lifetime licence · no subscription ever
  • Everything in Free
  • Full credit card tracking
  • Joint Budget Tracking
  • Mortgage Tracking
  • Up to 2 profiles
  • PDF export
  • Bill reminders
  • Investment tracking
  • Auto-updates via GitHub
Get Premium
Why Clariqo?

More helpful than your bank app.
Easier than a spreadsheet.

Clariqo sits in the gap between “I’ll just check my balance” and “I need to build a whole system in Excel”. It gives you structure without becoming overwhelming.

Feature Clariqo Spreadsheet Bank / Big Finance Apps
Safe-to-spend number at a glance ✓ Core feature ✗ Manual formulas ✗ Usually hidden or unclear
Recurring bills built into the balance ✓ ✗ DIY setup Sometimes partial
Credit card spending awareness ✓ ✗ Manual upkeep ✗ Often fragmented
Local data only ✓ Always Depends on file location ✗ Usually cloud-first
No bank sync required ✓ ✓ ✗ Usually dependent on it
Joint & personal split ✓ Built in ✗ DIY formulas ✗ Often limited
No subscription required ✓ ✓ ✗ Common monthly fee
Quick to understand ✓ Only if you build it well Varies by app
🎉 Ready to stop guessing?

Download Clariqo free.
See your real spendable money today.

No sign-up. No cloud account. No bank sync. Just install it, set up your recurring costs, and get a clearer answer to what you can actually afford to spend.

Download Clariqo

Windows desktop app · Local storage only · Auto-updates via GitHub Releases

🇬🇧 Made in Britain — designed & built in the UK