A small set of tools that earn their place — and nothing else.
One number that already accounts for everything.
Your real balance, minus the rent that hits next week, minus what you've reserved for groceries this month, minus the contribution you set aside for the holiday fund. That's Safe to Spend.
It updates the moment you log a transaction — no waiting for end-of-month, no spreadsheet to reconcile. If it says €1,240, you can spend €1,240 without breaking anything.
Through 31 Aug · after €2,180 reserved
See where the month lands before it lands.
Most apps show what you've spent. ClearPace projects where each category will end the period based on your current pace — so you can adjust on day 12, not day 28.
The forecast is honest: a small badge tells you whether you're on track, drifting, or about to blow through. No alarm bells, no guilt, just an early signal.
- Groceries€320 / €500
- Dining out€210 / €200
- Transport€88 / €180
- Leisure€145 / €200
Subscriptions surface before they hit.
Add the things that repeat once — rent, Spotify, the gym you forgot about. ClearPace tracks the cadence and reserves the money so the charge never feels like a surprise.
A weekly digest shows what's coming in the next seven days, including total expected outflow. You'll know before the bank does.
- RentAug 28€1100.00Upcoming
- Spotify FamilyAug 22€17.99Upcoming
- GymSep 1€39.00Upcoming
- iCloud 200GBAug 30€2.99Upcoming
Savings that actually stay saved.
Set what you're saving toward and the monthly contribution. ClearPace subtracts that amount from Safe to Spend so the money is never accidentally available.
Pacing is gentle: a small badge shows whether you're on track. No streaks, no shaming — just a clear answer to "am I going to make it?"
- Emergency fund€4,800 / €6,000€200/month · on track
- Trip to Lisbon€620 / €1,500€150/month · on track
- New laptop€1,100 / €2,000€100/month · on track
Five minutes a week to keep the numbers honest.
Once a week, ClearPace surfaces a short checklist: review the recurring charges that hit, log anything that's missing, confirm budgets that are drifting.
It's deliberately not gamified. You don't earn points; you keep your numbers true. That's enough.
- Confirm Spotify charge (€17.99)
- Log €42 grocery run from Saturday
- Review Dining out — over by €10
- Adjust Leisure budget for September
Built for people who don't live in one currency.
Pick your base currency once. Every account, budget and goal can be entered in its own currency, and ClearPace handles the conversion using the latest rates.
Numbers and dates format to your locale automatically. €1.234,56 stays €1.234,56 if you're in Berlin; $1,234.56 if you're in New York.
- Revolut EUREUR€4,280.50≈ €4,280.50
- Wise USDUSD$1,200.00≈ €1,108.20
- Monzo GBPGBP£640.00≈ €745.60
A different shape from the alternatives.
Each approach is good at something. Here's the honest picture of where ClearPace fits.
| Capability | ClearPace | Spreadsheets | Traditional budgeting apps |
|---|---|---|---|
| Single Safe-to-Spend number | Yes | No | Partial |
| Forecasts where budgets land | Yes | Partial | Partial |
| Reserves recurring payments automatically | Yes | No | Partial |
| Works without bank credentials | Yes | Yes | No |
| Multi-currency with locale-aware formatting | Yes | Partial | Partial |
| Designed for one person, not a household team | Yes | Yes | No |
Try it with your own numbers.
Free tier is forever free. No credit card required.