Questions, answered.

Clariqo is a Windows desktop app that shows you your real safe-to-spend balance — not just your bank balance.

Your bank balance tells you what's in your account. It doesn't know about the rent coming out Friday, the Netflix renewal next week, or the credit card balance you haven't cleared. Clariqo does. You enter your recurring bills, subscriptions, and card spending once, and it subtracts them so you always know what you can actually afford to spend right now.

Clariqo is for anyone who's ever thought "I've got money in my account" — spent some — then got caught out when the direct debits hit. That's most people.

It works best for:

• People who get paid on a cycle (weekly, fortnightly, monthly)
• Couples managing shared and personal money separately
• Anyone who uses credit cards and wants to stay aware of what they've already spent
• People who want more clarity than their banking app gives without the complexity of full accounting software

No. Clariqo Free is completely free with no time limit. Clariqo Premium is a single one-time payment — you pay once and the licence is yours.

There is no monthly fee, no annual renewal, and nothing that auto-charges your card. You buy it, you own it.

The Free tier gives you the core clarity: your real spendable balance, recurring expense tracking, manual expense logging, and savings pots. That's genuinely useful on its own.

Premium unlocks the more advanced tools:

• Full credit card tracking with balance and repayment visibility
• Joint budget tracking (shared money alongside personal money)
• Mortgage tracking
• Up to 2 user profiles
• PDF export for period summaries
• Bill reminders
• Investment tracking
• Automatic updates via GitHub

No — and that's intentional. Clariqo does not connect to your bank, does not require your banking credentials, and does not use open banking APIs.

You enter your income, recurring costs, and spending manually. This means:

• No broken connections when your bank changes its API
• No risk from third-party data breaches
• No permissions granted to any external service
• Your banking credentials never leave your own devices

The slight trade-off is that you log spending yourself. Most users find this takes under a minute a day and actually helps them stay more aware of where money is going.

On your computer. Only on your computer.

Clariqo stores all your financial data locally in files on your Windows machine. Nothing is uploaded, synced, or transmitted anywhere. There is no Clariqo server holding your data. There is no cloud account. If you delete the app, your data stays on your machine — and if you want to remove it completely, you delete the local files.

No. Structurally impossible, not just policy.

We can't see your data because we deliberately built the app so it never leaves your machine. This isn't a privacy promise we ask you to trust — it's an architectural decision. There's no server to store it on. No database to query. No telemetry reporting back to us. We genuinely do not have access to your financial information.

No. We can't — we don't have it.

Most budgeting apps make money twice: once when you pay them, and again when they sell what they learn about your spending habits to data brokers and advertisers. Clariqo makes money once. You pay (optionally, for Premium). That's the entire transaction.

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

For day-to-day use — no. Clariqo works completely offline. All your data is local so there's nothing to fetch from the internet.

The only things that use an internet connection are:

• Licence activation — when you first enter a Premium key, Clariqo checks it against our licence system once. After that, it doesn't need to check again.
• Auto-updates — Premium users get automatic update checks via GitHub. You can choose to skip or defer these.

Nothing happens to it — because it was always yours. Since everything is stored locally, uninstalling Clariqo doesn't delete your data files. You control them. You can keep them, back them up, or delete them yourself whenever you want.

There's no account to close, no deletion request to submit, and no data to "export" from a server — because we never held any of it.

Joint budgeting lets you separate shared money from your personal money within the same app. You can see both pots clearly — what's in the joint budget, what's in your personal budget, and what's left in each after tracked spending.

This is designed for couples or housemates who contribute to shared expenses but still want to keep track of their own money independently. You don't need two separate accounts or installations — it's built into a single profile.

Joint budget tracking is a Premium feature.

When you log a variable expense, you can assign it to a specific credit card. Clariqo keeps a running total of what you've put on each card so you can see your real liability — money that's been spent but hasn't left your bank yet.

This is the key reason your bank balance lies to you. £800 in your account sounds fine until you remember £300 of that is already on the credit card and due at the end of the month. Clariqo keeps that visible so it doesn't catch you out.

Full card tracking is a Premium feature.

Savings pots let you track named savings goals within Clariqo — for example "Holiday fund", "Emergency pot", or "New laptop". You set a target amount and log contributions to it over time.

Clariqo shows your progress toward each goal so you can see how close you are. The savings total is also factored into your overall financial picture so you're not counting saved money as spendable money.

Basic savings pots are available on the Free tier.

Premium users can export period summaries as PDF reports. These give you a clean, readable snapshot of a budget period — useful if you want a record you can save separately or share.

Because your data is stored locally, you also always have direct access to your own files — you're not locked into any format that requires our systems to export.

Yes — Clariqo supports GBP, USD, and EUR. The currency display is set in your preferences. The app is primarily built for a UK audience (GBP is the default) but works for users in other regions using those currencies.

Clariqo Premium is currently on a special offer at £19.99 (normally £34.99), as a one-time payment. The displayed price on the store page is estimated by your region — the final currency and any applicable taxes are confirmed at checkout.

There is no subscription, no renewal, and no auto-charge. You pay once.

After purchasing, you'll receive a licence key by email from Lemon Squeezy (our payment processor). Open Clariqo, navigate to Settings, and enter your key in the activation field. Clariqo will validate it online once and then unlock Premium features permanently on that machine.

If you have any issues activating, contact support with your order number and we'll sort it.

Each licence is intended for use on a single machine. If you upgrade your PC or reinstall Windows and need to transfer your licence, get in touch and we'll transfer it for you manually — no extra charge.

Payments are processed through Stripe via Lemon Squeezy, which accepts all major credit and debit cards (Visa, Mastercard, Amex) as well as Apple Pay and Google Pay where available.

Clariqo does not store, see, or record any payment information. The entire transaction happens on Lemon Squeezy's infrastructure.

If you're not happy with Premium within 14 days of purchase, contact us and we'll refund you. No lengthy process, no questions designed to talk you out of it.

We'd rather you get your money back than feel stuck with something that doesn't work for you. Contact support with your order number to request a refund.

• Operating system: Windows 10 or Windows 11
• Disk space: Under 100MB for the app; your data files are small
• Internet: Not required for day-to-day use. Needed once for Premium activation and for auto-updates.
• macOS / Linux: Not currently supported. Clariqo is a Windows-native desktop app.

Premium users get automatic updates via GitHub Releases. When a new version is available, Clariqo will notify you and can update itself in the background with your permission.

Free users can check for updates manually by visiting the GitHub Releases page and downloading the latest installer.

Updates never overwrite your data — your local files are always preserved.

This is common for small independent desktop apps that haven't yet gone through Microsoft's code-signing process. It doesn't mean the app is harmful — it means it isn't from a large verified publisher that antivirus databases already trust by default.

Clariqo is built in Python and packaged as a Windows executable. The source of the release is our official GitHub repository. If you download from there, you're getting the genuine release.

If you're uncomfortable, you can right-click the installer → Properties → Unblock, or add an exception in your antivirus. If you'd like to verify anything about the build, contact us.

Yes — and it's straightforward because everything is just local files. Your Clariqo data is stored in your user data folder on Windows. You can copy these files to an external drive, OneDrive, Dropbox, or anywhere else you back up important files.

If you're reinstalling Windows or moving to a new machine, just copy your data folder across and Clariqo will pick it up on the new installation. If you need help locating the data files, get in touch.

Please use the contact page and describe what happened, what you expected to happen, and which version of Clariqo you're running (visible in Settings → About). Screenshots are helpful if the bug is visual.

We take bug reports seriously and aim to respond within a working day or two. We're a small team, not a corporate support queue.