A plan for each paycheque
Bills, minimums, spending money, and the extra that moves you fastest. Worked out again every payday.
- Bills
- Minimums
- Extra
- Spending
From what you owe
to what you own.
Connect your bank and ClearOwe fills in your cards, bills, pay and subscriptions. Then every paycheque has a plan: clear what you owe, build an emergency fund, and grow what is yours.
Connect once
CardsBillsPay
Everything fills in by itself.
Payday
$2,150
Your pay lands.
The plan
$947Bills$452Debt$751Yours
Split before you spend.
Attack the debt
$1,240$788
Your store card, now under 30 percent of its limit.
Finish line
Oct 2027
Debt-free, sooner than paying minimums.
Past zero
Nothing owedEmergency fundGrowing
Save, invest, and know what you can buy.
Add $25 a payday and watch the date move closer. Every change shows up at once.
Money that lands, placed
A bonus, a refund, a side job. Say what came in and ClearOwe says where it goes.
Locked to your device
Encrypted with your password before it is saved. We cannot read it, and ClearOwe never moves your money.
Set up in a few minutes
- Connect your bank
Cards, bills, pay and subscriptions fill in by themselves. Fix anything that looks off. Or type it in.
- Follow each payday
Tick things off. The plan, the reminders and the finish date keep themselves current.
- Keep going past zero
An emergency fund, then money that works for you. The path does not stop at paid off.
Free to plan. Pay only for the bank sync.
Everything works when you type your numbers in. Plus keeps them current for you.
Free$0Forever, no card needed
- The payday plan and your debt-free date
- Bills, spending limits and insights
- Your account on any phone
Two banks includedPlus$9.99/monthor $89 a year, about two months free
- Everything in Free
- 2 banks synced, balances and purchases
- Every insight, the full cut plan and all six payoff orders
- $2.99 a month for each extra bank
Prices in Canadian dollars. Plus is free while ClearOwe is in beta.
Questions, answered
Is ClearOwe only for people paying off debt?
No. Clearing what you owe is one stop on the path. If you owe nothing, the path starts at your emergency fund and carries on to growing what you own, with your subscriptions and bills tracked along the way.
Does ClearOwe move my money?
No. It plans. Every payment is one you make yourself, through your own bank or card. ClearOwe cannot touch your money.
Is it financial advice?
No. It is arithmetic on your own numbers, shown clearly. What you do with it is your call, and for big decisions a licensed advisor is the right person to ask.
Where is my information kept?
In your ClearOwe account. It is encrypted in your browser before it is saved, so it opens on any phone you sign in on. Bank access stays on our servers, never on your phone, and needs two-step sign-in.
What does it cost?
Planning is free, forever. Plus is $9.99 a month, or $89 a year. It syncs two banks for you and opens every insight, the full cut plan and all six payoff orders. Each extra bank is $2.99 a month. Plus is free during the beta.
What does the bank connection see?
Balances, limits and transactions for the accounts you choose, read only, through a regulated provider. You sign in on your bank’s own page, and you can disconnect at any time.
Which approach to debt does it use?
You choose: save the most interest, a quick win then the most interest, clear small ones first, get under thirty percent first, free up cash fastest, or pick the card yourself. It shows what each one costs against the cheapest.