Three steps. Two minutes.

Enter the balances you want to track — current account, savings, cash. ClearPace never asks for bank credentials and doesn't connect to your bank. You decide what's in the picture.

Most people are set up in under a minute. Three accounts is the typical starting point: a checking account, a savings account, and one credit card.

Tell ClearPace what matters this month — groceries, rent, dining out — and roughly how much you want to spend. Then add what you're saving toward and the monthly contribution.

Budgets and goals don't have to be perfect on day one. You'll adjust them once you see how your real spending lands.

Every transaction you log updates one number — Safe to Spend. It already accounts for upcoming recurring payments, budget reserves and goal contributions, so there's no mental math.

Open the app on a Tuesday morning, look at the number, decide whether brunch is in the budget. That's the whole interaction.