Stop overspending.
See your real spendable money.

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

Download Free Get Premium 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
🔒
100% Local DataNo cloud. No server. Your budget stays on your PC.
🚫
No Bank SyncNo broken connections. No third-party account access.
💸
Real Spendable BalanceWhat's safe to spend after upcoming obligations.
♾️
No SubscriptionStart free, upgrade once if you want more.
💵
GBP · USD · EURMultiple currencies supported.
Privacy First

Your finances are worth a lot
of money to a lot of companies.

Clariqo is not one of them. We built it this way deliberately — not as a selling point, but because it is the only honest way to build a budgeting app.

"Most budgeting apps make money twice. Once when you pay. Again when they sell what they learn about you. Clariqo makes money once. That's the deal."

— On our pricing model

"We can't see your data. Not because we're nice. Because we deliberately built it that way."

— On our architecture

"Your spending habits are worth a lot of money to a lot of companies. Clariqo isn't one of them."

— On data brokers
Where your data goes — and where it doesn't
Most budgeting apps
The standard model
👤
You
Enter income, bills, spending habits
you pay £X/month
▼
📱
The App
Stores everything on their servers
sells anonymised data
▼
🏭
Data Brokers
Package your behaviour into profiles
sells profiles
▼
📢
Advertisers
Target you based on your financial behaviour
▼
💸 You paid twice. You didn't know it.
VS
Clariqo
The honest model
👤
You
Enter income, bills, spending habits
optional one-time payment
▼
💻
Clariqo
Runs entirely on your machine
stays on your PC
▼
🗂️
Your local files
Encrypted, private, nobody else's business
No data brokers.
No advertisers.
No second revenue stream.
✅ You paid once. That's it. That's the whole deal.
2×
Most apps monetise you — once at purchase, once through your data
1×
Clariqo charges once. There is no second transaction. Ever.
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.

💸

Real Spendable Balance

The headline figure is the one that matters: what's actually left after recurring costs and tracked liabilities are accounted for.

🔁

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, so money already spent but not yet gone stays visible.

👫

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, no dependence on a third party 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, no subscription pressure.

Free
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
PREMIUM
Premium
Special Offer
£34.99 £19.99
Displayed price is estimated by region. Final currency and taxes shown at checkout.
Lifetime licence · one-time payment · 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."

Feature Clariqo Spreadsheet Bank / Big Finance Apps
Safe-to-spend number at a glance ✓ Core feature ✗ Manual formulas ✗ Usually hidden
Recurring bills built into the balance ✓ ✗ DIY setup Sometimes partial
Credit card spending awareness ✓ ✗ Manual upkeep ✗ Often fragmented
Local data — your machine only ✓ Always Depends on file location ✗ Cloud-first
No bank sync required ✓ ✓ ✗ Usually dependent
No data sold to third parties ✓ Structurally impossible ✓ ✗ Common practice
Joint & personal split ✓ Built in ✗ DIY formulas ✗ Often limited
No subscription required ✓ ✓ ✗ Common monthly fee
🎉 Ready to stop guessing?

Download Clariqo free.
See your real spendable money today.

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

Download Clariqo

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

🇬🇧 Made in Britain — designed & built in the UK
💬 Got questions?

We've answered the most common ones.

From "does it need internet?" to "what happens to my data?" — if you're wondering it, someone else already asked it. Check the FAQ before you reach out.

Read the FAQ →